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$109,408
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$112,811
−HK$3,458/mo
Today · 4.125%
HK$116,269
baseline
▲ 0.50% · 4.625%
HK$123,344
+HK$7,075/mo
Deposit HK$23.99M · loan HK$23.99M · min. income ≈ HK$232,538/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$2,039,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,716
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,980
−HK$3,311/mo
Today · 4.125%
HK$128,291
baseline
▲ 0.50% · 4.625%
HK$135,054
+HK$6,763/mo
Deposit HK$23.99M · loan HK$23.99M · min. income ≈ HK$256,582/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$2,039,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,290
−HK$8,233/mo
▼ 0.25% · 3.875%
HK$135,374
−HK$4,149/mo
Today · 4.125%
HK$139,523
baseline
▲ 0.50% · 4.625%
HK$148,013
+HK$8,490/mo
Deposit HK$19.19M · loan HK$28.79M · min. income ≈ HK$279,046/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$2,039,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,059
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$149,976
−HK$3,974/mo
Today · 4.125%
HK$153,950
baseline
▲ 0.50% · 4.625%
HK$162,065
+HK$8,115/mo
Deposit HK$19.19M · loan HK$28.79M · min. income ≈ HK$307,900/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$2,039,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,172
−HK$9,605/mo
▼ 0.25% · 3.875%
HK$157,936
−HK$4,841/mo
Today · 4.125%
HK$162,777
baseline
▲ 0.50% · 4.625%
HK$172,681
+HK$9,904/mo
Deposit HK$14.39M · loan HK$33.59M · min. income ≈ HK$325,554/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,039,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,402
−HK$9,206/mo
▼ 0.25% · 3.875%
HK$174,972
−HK$4,636/mo
Today · 4.125%
HK$179,608
baseline
▲ 0.50% · 4.625%
HK$189,075
+HK$9,467/mo
Deposit HK$14.39M · loan HK$33.59M · min. income ≈ HK$359,216/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,039,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,935
−HK$12,349/mo
▼ 0.25% · 3.875%
HK$203,061
−HK$6,223/mo
Today · 4.125%
HK$209,284
baseline
▲ 0.50% · 4.625%
HK$222,019
+HK$12,735/mo
Deposit HK$4.80M · loan HK$43.18M · min. income ≈ HK$418,568/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,039,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,088
−HK$11,837/mo
▼ 0.25% · 3.875%
HK$224,964
−HK$5,961/mo
Today · 4.125%
HK$230,925
baseline
▲ 0.50% · 4.625%
HK$243,097
+HK$12,172/mo
Deposit HK$4.80M · loan HK$43.18M · min. income ≈ HK$461,850/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,039,179 · Scale 2, in force from 26 Feb 2026)