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$110,208
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$113,637
−HK$3,483/mo
Today · 4.125%
HK$117,120
baseline
▲ 0.50% · 4.625%
HK$124,246
+HK$7,126/mo
Deposit HK$24.17M · loan HK$24.17M · min. income ≈ HK$234,240/mo (50% DSR)
Upfront cash ≈ HK$26.22M (deposit + AVD stamp duty HK$2,054,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,606
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$125,894
−HK$3,336/mo
Today · 4.125%
HK$129,230
baseline
▲ 0.50% · 4.625%
HK$136,042
+HK$6,812/mo
Deposit HK$24.17M · loan HK$24.17M · min. income ≈ HK$258,460/mo (50% DSR)
Upfront cash ≈ HK$26.22M (deposit + AVD stamp duty HK$2,054,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,250
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$136,364
−HK$4,179/mo
Today · 4.125%
HK$140,543
baseline
▲ 0.50% · 4.625%
HK$149,095
+HK$8,552/mo
Deposit HK$19.33M · loan HK$29.00M · min. income ≈ HK$281,086/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,054,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,127
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,073
−HK$4,003/mo
Today · 4.125%
HK$155,076
baseline
▲ 0.50% · 4.625%
HK$163,250
+HK$8,174/mo
Deposit HK$19.33M · loan HK$29.00M · min. income ≈ HK$310,152/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,054,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,292
−HK$9,675/mo
▼ 0.25% · 3.875%
HK$159,091
−HK$4,876/mo
Today · 4.125%
HK$163,967
baseline
▲ 0.50% · 4.625%
HK$173,944
+HK$9,977/mo
Deposit HK$14.50M · loan HK$33.83M · min. income ≈ HK$327,934/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,054,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,648
−HK$9,274/mo
▼ 0.25% · 3.875%
HK$176,252
−HK$4,670/mo
Today · 4.125%
HK$180,922
baseline
▲ 0.50% · 4.625%
HK$190,458
+HK$9,536/mo
Deposit HK$14.50M · loan HK$33.83M · min. income ≈ HK$361,844/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,054,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,375
−HK$12,440/mo
▼ 0.25% · 3.875%
HK$204,546
−HK$6,269/mo
Today · 4.125%
HK$210,815
baseline
▲ 0.50% · 4.625%
HK$223,643
+HK$12,828/mo
Deposit HK$4.83M · loan HK$43.50M · min. income ≈ HK$421,630/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,054,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,690
−HK$11,924/mo
▼ 0.25% · 3.875%
HK$226,609
−HK$6,005/mo
Today · 4.125%
HK$232,614
baseline
▲ 0.50% · 4.625%
HK$244,875
+HK$12,261/mo
Deposit HK$4.83M · loan HK$43.50M · min. income ≈ HK$465,228/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,054,094 · Scale 2, in force from 26 Feb 2026)