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$109,525
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,932
−HK$3,461/mo
Today · 4.125%
HK$116,393
baseline
▲ 0.50% · 4.625%
HK$123,475
+HK$7,082/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$232,786/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,845
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$125,113
−HK$3,315/mo
Today · 4.125%
HK$128,428
baseline
▲ 0.50% · 4.625%
HK$135,198
+HK$6,770/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$256,856/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,430
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$135,518
−HK$4,154/mo
Today · 4.125%
HK$139,672
baseline
▲ 0.50% · 4.625%
HK$148,170
+HK$8,498/mo
Deposit HK$19.21M · loan HK$28.82M · min. income ≈ HK$279,344/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$2,041,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,214
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$150,136
−HK$3,978/mo
Today · 4.125%
HK$154,114
baseline
▲ 0.50% · 4.625%
HK$162,237
+HK$8,123/mo
Deposit HK$19.21M · loan HK$28.82M · min. income ≈ HK$308,228/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$2,041,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,335
−HK$9,615/mo
▼ 0.25% · 3.875%
HK$158,104
−HK$4,846/mo
Today · 4.125%
HK$162,950
baseline
▲ 0.50% · 4.625%
HK$172,865
+HK$9,915/mo
Deposit HK$14.41M · loan HK$33.62M · min. income ≈ HK$325,900/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,583
−HK$9,216/mo
▼ 0.25% · 3.875%
HK$175,158
−HK$4,641/mo
Today · 4.125%
HK$179,799
baseline
▲ 0.50% · 4.625%
HK$189,277
+HK$9,478/mo
Deposit HK$14.41M · loan HK$33.62M · min. income ≈ HK$359,598/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,145
−HK$12,362/mo
▼ 0.25% · 3.875%
HK$203,277
−HK$6,230/mo
Today · 4.125%
HK$209,507
baseline
▲ 0.50% · 4.625%
HK$222,255
+HK$12,748/mo
Deposit HK$4.80M · loan HK$43.23M · min. income ≈ HK$419,014/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,041,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,321
−HK$11,850/mo
▼ 0.25% · 3.875%
HK$225,204
−HK$5,967/mo
Today · 4.125%
HK$231,171
baseline
▲ 0.50% · 4.625%
HK$243,356
+HK$12,185/mo
Deposit HK$4.80M · loan HK$43.23M · min. income ≈ HK$462,342/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,041,352 · Scale 2, in force from 26 Feb 2026)