The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$110,009
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,431
−HK$3,476/mo
Today · 4.125%
HK$116,907
baseline
▲ 0.50% · 4.625%
HK$124,021
+HK$7,114/mo
Deposit HK$24.12M · loan HK$24.12M · min. income ≈ HK$233,814/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,050,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,384
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,666
−HK$3,330/mo
Today · 4.125%
HK$128,996
baseline
▲ 0.50% · 4.625%
HK$135,795
+HK$6,799/mo
Deposit HK$24.12M · loan HK$24.12M · min. income ≈ HK$257,992/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,050,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,010
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$136,117
−HK$4,172/mo
Today · 4.125%
HK$140,289
baseline
▲ 0.50% · 4.625%
HK$148,825
+HK$8,536/mo
Deposit HK$19.30M · loan HK$28.95M · min. income ≈ HK$280,578/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,050,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,860
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,799
−HK$3,996/mo
Today · 4.125%
HK$154,795
baseline
▲ 0.50% · 4.625%
HK$162,954
+HK$8,159/mo
Deposit HK$19.30M · loan HK$28.95M · min. income ≈ HK$309,590/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,050,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,012
−HK$9,658/mo
▼ 0.25% · 3.875%
HK$158,803
−HK$4,867/mo
Today · 4.125%
HK$163,670
baseline
▲ 0.50% · 4.625%
HK$173,629
+HK$9,959/mo
Deposit HK$14.47M · loan HK$33.77M · min. income ≈ HK$327,340/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,050,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,337
−HK$9,257/mo
▼ 0.25% · 3.875%
HK$175,932
−HK$4,662/mo
Today · 4.125%
HK$180,594
baseline
▲ 0.50% · 4.625%
HK$190,113
+HK$9,519/mo
Deposit HK$14.47M · loan HK$33.77M · min. income ≈ HK$361,188/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,050,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,016
−HK$12,417/mo
▼ 0.25% · 3.875%
HK$204,175
−HK$6,258/mo
Today · 4.125%
HK$210,433
baseline
▲ 0.50% · 4.625%
HK$223,237
+HK$12,804/mo
Deposit HK$4.82M · loan HK$43.42M · min. income ≈ HK$420,866/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,050,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,290
−HK$11,902/mo
▼ 0.25% · 3.875%
HK$226,199
−HK$5,993/mo
Today · 4.125%
HK$232,192
baseline
▲ 0.50% · 4.625%
HK$244,431
+HK$12,239/mo
Deposit HK$4.82M · loan HK$43.42M · min. income ≈ HK$464,384/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,050,371 · Scale 2, in force from 26 Feb 2026)