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$109,910
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,329
−HK$3,473/mo
Today · 4.125%
HK$116,802
baseline
▲ 0.50% · 4.625%
HK$123,909
+HK$7,107/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$233,604/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,274
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,553
−HK$3,327/mo
Today · 4.125%
HK$128,880
baseline
▲ 0.50% · 4.625%
HK$135,673
+HK$6,793/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$257,760/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,892
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$135,995
−HK$4,168/mo
Today · 4.125%
HK$140,163
baseline
▲ 0.50% · 4.625%
HK$148,691
+HK$8,528/mo
Deposit HK$19.28M · loan HK$28.92M · min. income ≈ HK$280,326/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,728
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$150,664
−HK$3,992/mo
Today · 4.125%
HK$154,656
baseline
▲ 0.50% · 4.625%
HK$162,808
+HK$8,152/mo
Deposit HK$19.28M · loan HK$28.92M · min. income ≈ HK$309,312/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,874
−HK$9,649/mo
▼ 0.25% · 3.875%
HK$158,660
−HK$4,863/mo
Today · 4.125%
HK$163,523
baseline
▲ 0.50% · 4.625%
HK$173,473
+HK$9,950/mo
Deposit HK$14.46M · loan HK$33.74M · min. income ≈ HK$327,046/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,183
−HK$9,249/mo
▼ 0.25% · 3.875%
HK$175,774
−HK$4,658/mo
Today · 4.125%
HK$180,432
baseline
▲ 0.50% · 4.625%
HK$189,943
+HK$9,511/mo
Deposit HK$14.46M · loan HK$33.74M · min. income ≈ HK$360,864/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,838
−HK$12,406/mo
▼ 0.25% · 3.875%
HK$203,992
−HK$6,252/mo
Today · 4.125%
HK$210,244
baseline
▲ 0.50% · 4.625%
HK$223,037
+HK$12,793/mo
Deposit HK$4.82M · loan HK$43.38M · min. income ≈ HK$420,488/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,093
−HK$11,891/mo
▼ 0.25% · 3.875%
HK$225,996
−HK$5,988/mo
Today · 4.125%
HK$231,984
baseline
▲ 0.50% · 4.625%
HK$244,212
+HK$12,228/mo
Deposit HK$4.82M · loan HK$43.38M · min. income ≈ HK$463,968/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,531 · Scale 2, in force from 26 Feb 2026)