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$109,699
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,111
−HK$3,467/mo
Today · 4.125%
HK$116,578
baseline
▲ 0.50% · 4.625%
HK$123,672
+HK$7,094/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$233,156/mo (50% DSR)
Upfront cash ≈ HK$26.10M (deposit + AVD stamp duty HK$2,044,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,039
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,312
−HK$3,321/mo
Today · 4.125%
HK$128,633
baseline
▲ 0.50% · 4.625%
HK$135,413
+HK$6,780/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$257,266/mo (50% DSR)
Upfront cash ≈ HK$26.10M (deposit + AVD stamp duty HK$2,044,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,639
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$135,734
−HK$4,160/mo
Today · 4.125%
HK$139,894
baseline
▲ 0.50% · 4.625%
HK$148,406
+HK$8,512/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$279,788/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$2,044,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,447
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$150,375
−HK$3,984/mo
Today · 4.125%
HK$154,359
baseline
▲ 0.50% · 4.625%
HK$162,496
+HK$8,137/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$308,718/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$2,044,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,579
−HK$9,631/mo
▼ 0.25% · 3.875%
HK$158,356
−HK$4,854/mo
Today · 4.125%
HK$163,210
baseline
▲ 0.50% · 4.625%
HK$173,141
+HK$9,931/mo
Deposit HK$14.43M · loan HK$33.68M · min. income ≈ HK$326,420/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$2,044,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,855
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$175,437
−HK$4,649/mo
Today · 4.125%
HK$180,086
baseline
▲ 0.50% · 4.625%
HK$189,578
+HK$9,492/mo
Deposit HK$14.43M · loan HK$33.68M · min. income ≈ HK$360,172/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$2,044,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,459
−HK$12,382/mo
▼ 0.25% · 3.875%
HK$203,601
−HK$6,240/mo
Today · 4.125%
HK$209,841
baseline
▲ 0.50% · 4.625%
HK$222,609
+HK$12,768/mo
Deposit HK$4.81M · loan HK$43.30M · min. income ≈ HK$419,682/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,044,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,671
−HK$11,868/mo
▼ 0.25% · 3.875%
HK$225,562
−HK$5,977/mo
Today · 4.125%
HK$231,539
baseline
▲ 0.50% · 4.625%
HK$243,744
+HK$12,205/mo
Deposit HK$4.81M · loan HK$43.30M · min. income ≈ HK$463,078/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,044,602 · Scale 2, in force from 26 Feb 2026)