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$109,676
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$113,088
−HK$3,466/mo
Today · 4.125%
HK$116,554
baseline
▲ 0.50% · 4.625%
HK$123,646
+HK$7,092/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$233,108/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,044,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,013
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,286
−HK$3,319/mo
Today · 4.125%
HK$128,605
baseline
▲ 0.50% · 4.625%
HK$135,384
+HK$6,779/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$257,210/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,044,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,611
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$135,705
−HK$4,159/mo
Today · 4.125%
HK$139,864
baseline
▲ 0.50% · 4.625%
HK$148,375
+HK$8,511/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$279,728/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,044,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,416
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$150,343
−HK$3,984/mo
Today · 4.125%
HK$154,327
baseline
▲ 0.50% · 4.625%
HK$162,461
+HK$8,134/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$308,654/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,044,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,546
−HK$9,629/mo
▼ 0.25% · 3.875%
HK$158,323
−HK$4,852/mo
Today · 4.125%
HK$163,175
baseline
▲ 0.50% · 4.625%
HK$173,104
+HK$9,929/mo
Deposit HK$14.43M · loan HK$33.67M · min. income ≈ HK$326,350/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,044,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,819
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$175,400
−HK$4,648/mo
Today · 4.125%
HK$180,048
baseline
▲ 0.50% · 4.625%
HK$189,538
+HK$9,490/mo
Deposit HK$14.43M · loan HK$33.67M · min. income ≈ HK$360,096/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,044,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,417
−HK$12,380/mo
▼ 0.25% · 3.875%
HK$203,558
−HK$6,239/mo
Today · 4.125%
HK$209,797
baseline
▲ 0.50% · 4.625%
HK$222,562
+HK$12,765/mo
Deposit HK$4.81M · loan HK$43.29M · min. income ≈ HK$419,594/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,044,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,624
−HK$11,866/mo
▼ 0.25% · 3.875%
HK$225,514
−HK$5,976/mo
Today · 4.125%
HK$231,490
baseline
▲ 0.50% · 4.625%
HK$243,692
+HK$12,202/mo
Deposit HK$4.81M · loan HK$43.29M · min. income ≈ HK$462,980/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,044,169 · Scale 2, in force from 26 Feb 2026)