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$109,620
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,030
−HK$3,465/mo
Today · 4.125%
HK$116,495
baseline
▲ 0.50% · 4.625%
HK$123,583
+HK$7,088/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$232,990/mo (50% DSR)
Upfront cash ≈ HK$26.08M (deposit + AVD stamp duty HK$2,043,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,952
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$125,222
−HK$3,318/mo
Today · 4.125%
HK$128,540
baseline
▲ 0.50% · 4.625%
HK$135,316
+HK$6,776/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$257,080/mo (50% DSR)
Upfront cash ≈ HK$26.08M (deposit + AVD stamp duty HK$2,043,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,545
−HK$8,249/mo
▼ 0.25% · 3.875%
HK$135,636
−HK$4,158/mo
Today · 4.125%
HK$139,794
baseline
▲ 0.50% · 4.625%
HK$148,300
+HK$8,506/mo
Deposit HK$19.23M · loan HK$28.84M · min. income ≈ HK$279,588/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,043,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,342
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$150,267
−HK$3,981/mo
Today · 4.125%
HK$154,248
baseline
▲ 0.50% · 4.625%
HK$162,379
+HK$8,131/mo
Deposit HK$19.23M · loan HK$28.84M · min. income ≈ HK$308,496/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,043,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,469
−HK$9,623/mo
▼ 0.25% · 3.875%
HK$158,242
−HK$4,850/mo
Today · 4.125%
HK$163,092
baseline
▲ 0.50% · 4.625%
HK$173,016
+HK$9,924/mo
Deposit HK$14.42M · loan HK$33.65M · min. income ≈ HK$326,184/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,732
−HK$9,224/mo
▼ 0.25% · 3.875%
HK$175,311
−HK$4,645/mo
Today · 4.125%
HK$179,956
baseline
▲ 0.50% · 4.625%
HK$189,442
+HK$9,486/mo
Deposit HK$14.42M · loan HK$33.65M · min. income ≈ HK$359,912/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,317
−HK$12,373/mo
▼ 0.25% · 3.875%
HK$203,455
−HK$6,235/mo
Today · 4.125%
HK$209,690
baseline
▲ 0.50% · 4.625%
HK$222,449
+HK$12,759/mo
Deposit HK$4.81M · loan HK$43.27M · min. income ≈ HK$419,380/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,513
−HK$11,860/mo
▼ 0.25% · 3.875%
HK$225,400
−HK$5,973/mo
Today · 4.125%
HK$231,373
baseline
▲ 0.50% · 4.625%
HK$243,569
+HK$12,196/mo
Deposit HK$4.81M · loan HK$43.27M · min. income ≈ HK$462,746/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,134 · Scale 2, in force from 26 Feb 2026)