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$109,575
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,983
−HK$3,463/mo
Today · 4.125%
HK$116,446
baseline
▲ 0.50% · 4.625%
HK$123,532
+HK$7,086/mo
Deposit HK$24.03M · loan HK$24.03M · min. income ≈ HK$232,892/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,042,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,901
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,170
−HK$3,317/mo
Today · 4.125%
HK$128,487
baseline
▲ 0.50% · 4.625%
HK$135,260
+HK$6,773/mo
Deposit HK$24.03M · loan HK$24.03M · min. income ≈ HK$256,974/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,042,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,490
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,580
−HK$4,155/mo
Today · 4.125%
HK$139,735
baseline
▲ 0.50% · 4.625%
HK$148,238
+HK$8,503/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$279,470/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,042,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,281
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,204
−HK$3,980/mo
Today · 4.125%
HK$154,184
baseline
▲ 0.50% · 4.625%
HK$162,312
+HK$8,128/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$308,368/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,042,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,405
−HK$9,620/mo
▼ 0.25% · 3.875%
HK$158,177
−HK$4,848/mo
Today · 4.125%
HK$163,025
baseline
▲ 0.50% · 4.625%
HK$172,944
+HK$9,919/mo
Deposit HK$14.42M · loan HK$33.64M · min. income ≈ HK$326,050/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,042,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,661
−HK$9,221/mo
▼ 0.25% · 3.875%
HK$175,238
−HK$4,644/mo
Today · 4.125%
HK$179,882
baseline
▲ 0.50% · 4.625%
HK$189,363
+HK$9,481/mo
Deposit HK$14.42M · loan HK$33.64M · min. income ≈ HK$359,764/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,042,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,235
−HK$12,368/mo
▼ 0.25% · 3.875%
HK$203,370
−HK$6,233/mo
Today · 4.125%
HK$209,603
baseline
▲ 0.50% · 4.625%
HK$222,357
+HK$12,754/mo
Deposit HK$4.81M · loan HK$43.25M · min. income ≈ HK$419,206/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,042,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,422
−HK$11,854/mo
▼ 0.25% · 3.875%
HK$225,306
−HK$5,970/mo
Today · 4.125%
HK$231,276
baseline
▲ 0.50% · 4.625%
HK$243,467
+HK$12,191/mo
Deposit HK$4.81M · loan HK$43.25M · min. income ≈ HK$462,552/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,042,285 · Scale 2, in force from 26 Feb 2026)