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$109,226
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,623
−HK$3,452/mo
Today · 4.125%
HK$116,075
baseline
▲ 0.50% · 4.625%
HK$123,138
+HK$7,063/mo
Deposit HK$23.95M · loan HK$23.95M · min. income ≈ HK$232,150/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,035,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,513
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,771
−HK$3,306/mo
Today · 4.125%
HK$128,077
baseline
▲ 0.50% · 4.625%
HK$134,829
+HK$6,752/mo
Deposit HK$23.95M · loan HK$23.95M · min. income ≈ HK$256,154/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,035,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,071
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$135,148
−HK$4,142/mo
Today · 4.125%
HK$139,290
baseline
▲ 0.50% · 4.625%
HK$147,766
+HK$8,476/mo
Deposit HK$19.16M · loan HK$28.74M · min. income ≈ HK$278,580/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$2,035,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,815
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$149,726
−HK$3,967/mo
Today · 4.125%
HK$153,693
baseline
▲ 0.50% · 4.625%
HK$161,794
+HK$8,101/mo
Deposit HK$19.16M · loan HK$28.74M · min. income ≈ HK$307,386/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$2,035,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,916
−HK$9,589/mo
▼ 0.25% · 3.875%
HK$157,673
−HK$4,832/mo
Today · 4.125%
HK$162,505
baseline
▲ 0.50% · 4.625%
HK$172,393
+HK$9,888/mo
Deposit HK$14.37M · loan HK$33.53M · min. income ≈ HK$325,010/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$2,035,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,118
−HK$9,190/mo
▼ 0.25% · 3.875%
HK$174,680
−HK$4,628/mo
Today · 4.125%
HK$179,308
baseline
▲ 0.50% · 4.625%
HK$188,760
+HK$9,452/mo
Deposit HK$14.37M · loan HK$33.53M · min. income ≈ HK$358,616/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$2,035,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,606
−HK$12,329/mo
▼ 0.25% · 3.875%
HK$202,722
−HK$6,213/mo
Today · 4.125%
HK$208,935
baseline
▲ 0.50% · 4.625%
HK$221,648
+HK$12,713/mo
Deposit HK$4.79M · loan HK$43.11M · min. income ≈ HK$417,870/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,035,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,723
−HK$11,816/mo
▼ 0.25% · 3.875%
HK$224,589
−HK$5,950/mo
Today · 4.125%
HK$230,539
baseline
▲ 0.50% · 4.625%
HK$242,691
+HK$12,152/mo
Deposit HK$4.79M · loan HK$43.11M · min. income ≈ HK$461,078/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,035,777 · Scale 2, in force from 26 Feb 2026)