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$110,536
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,974
−HK$3,494/mo
Today · 4.125%
HK$117,468
baseline
▲ 0.50% · 4.625%
HK$124,615
+HK$7,147/mo
Deposit HK$24.24M · loan HK$24.24M · min. income ≈ HK$234,936/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$2,060,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,970
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,268
−HK$3,346/mo
Today · 4.125%
HK$129,614
baseline
▲ 0.50% · 4.625%
HK$136,446
+HK$6,832/mo
Deposit HK$24.24M · loan HK$24.24M · min. income ≈ HK$259,228/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$2,060,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,643
−HK$8,318/mo
▼ 0.25% · 3.875%
HK$136,769
−HK$4,192/mo
Today · 4.125%
HK$140,961
baseline
▲ 0.50% · 4.625%
HK$149,538
+HK$8,577/mo
Deposit HK$19.39M · loan HK$29.09M · min. income ≈ HK$281,922/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,060,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,564
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$151,522
−HK$4,015/mo
Today · 4.125%
HK$155,537
baseline
▲ 0.50% · 4.625%
HK$163,735
+HK$8,198/mo
Deposit HK$19.39M · loan HK$29.09M · min. income ≈ HK$311,074/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,060,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,751
−HK$9,704/mo
▼ 0.25% · 3.875%
HK$159,564
−HK$4,891/mo
Today · 4.125%
HK$164,455
baseline
▲ 0.50% · 4.625%
HK$174,461
+HK$10,006/mo
Deposit HK$14.54M · loan HK$33.93M · min. income ≈ HK$328,910/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,060,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,158
−HK$9,302/mo
▼ 0.25% · 3.875%
HK$176,776
−HK$4,684/mo
Today · 4.125%
HK$181,460
baseline
▲ 0.50% · 4.625%
HK$191,025
+HK$9,565/mo
Deposit HK$14.54M · loan HK$33.93M · min. income ≈ HK$362,920/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,060,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,965
−HK$12,477/mo
▼ 0.25% · 3.875%
HK$205,154
−HK$6,288/mo
Today · 4.125%
HK$211,442
baseline
▲ 0.50% · 4.625%
HK$224,308
+HK$12,866/mo
Deposit HK$4.85M · loan HK$43.63M · min. income ≈ HK$422,884/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,060,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,347
−HK$11,958/mo
▼ 0.25% · 3.875%
HK$227,283
−HK$6,022/mo
Today · 4.125%
HK$233,305
baseline
▲ 0.50% · 4.625%
HK$245,603
+HK$12,298/mo
Deposit HK$4.85M · loan HK$43.63M · min. income ≈ HK$466,610/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,060,200 · Scale 2, in force from 26 Feb 2026)