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$109,640
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,050
−HK$3,465/mo
Today · 4.125%
HK$116,515
baseline
▲ 0.50% · 4.625%
HK$123,605
+HK$7,090/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$233,030/mo (50% DSR)
Upfront cash ≈ HK$26.08M (deposit + AVD stamp duty HK$2,043,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,973
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,245
−HK$3,318/mo
Today · 4.125%
HK$128,563
baseline
▲ 0.50% · 4.625%
HK$135,340
+HK$6,777/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$257,126/mo (50% DSR)
Upfront cash ≈ HK$26.08M (deposit + AVD stamp duty HK$2,043,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,568
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,660
−HK$4,158/mo
Today · 4.125%
HK$139,818
baseline
▲ 0.50% · 4.625%
HK$148,326
+HK$8,508/mo
Deposit HK$19.23M · loan HK$28.85M · min. income ≈ HK$279,636/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,368
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$150,293
−HK$3,983/mo
Today · 4.125%
HK$154,276
baseline
▲ 0.50% · 4.625%
HK$162,408
+HK$8,132/mo
Deposit HK$19.23M · loan HK$28.85M · min. income ≈ HK$308,552/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,496
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$158,270
−HK$4,851/mo
Today · 4.125%
HK$163,121
baseline
▲ 0.50% · 4.625%
HK$173,047
+HK$9,926/mo
Deposit HK$14.42M · loan HK$33.66M · min. income ≈ HK$326,242/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,763
−HK$9,225/mo
▼ 0.25% · 3.875%
HK$175,342
−HK$4,646/mo
Today · 4.125%
HK$179,988
baseline
▲ 0.50% · 4.625%
HK$189,476
+HK$9,488/mo
Deposit HK$14.42M · loan HK$33.66M · min. income ≈ HK$359,976/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,352
−HK$12,376/mo
▼ 0.25% · 3.875%
HK$203,491
−HK$6,237/mo
Today · 4.125%
HK$209,728
baseline
▲ 0.50% · 4.625%
HK$222,489
+HK$12,761/mo
Deposit HK$4.81M · loan HK$43.27M · min. income ≈ HK$419,456/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,552
−HK$11,862/mo
▼ 0.25% · 3.875%
HK$225,440
−HK$5,974/mo
Today · 4.125%
HK$231,414
baseline
▲ 0.50% · 4.625%
HK$243,612
+HK$12,198/mo
Deposit HK$4.81M · loan HK$43.27M · min. income ≈ HK$462,828/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,497 · Scale 2, in force from 26 Feb 2026)