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$110,063
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$113,487
−HK$3,478/mo
Today · 4.125%
HK$116,965
baseline
▲ 0.50% · 4.625%
HK$124,082
+HK$7,117/mo
Deposit HK$24.13M · loan HK$24.13M · min. income ≈ HK$233,930/mo (50% DSR)
Upfront cash ≈ HK$26.19M (deposit + AVD stamp duty HK$2,051,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,444
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$125,728
−HK$3,332/mo
Today · 4.125%
HK$129,060
baseline
▲ 0.50% · 4.625%
HK$135,863
+HK$6,803/mo
Deposit HK$24.13M · loan HK$24.13M · min. income ≈ HK$258,120/mo (50% DSR)
Upfront cash ≈ HK$26.19M (deposit + AVD stamp duty HK$2,051,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,076
−HK$8,282/mo
▼ 0.25% · 3.875%
HK$136,184
−HK$4,174/mo
Today · 4.125%
HK$140,358
baseline
▲ 0.50% · 4.625%
HK$148,899
+HK$8,541/mo
Deposit HK$19.31M · loan HK$28.96M · min. income ≈ HK$280,716/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,051,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,933
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$150,874
−HK$3,998/mo
Today · 4.125%
HK$154,872
baseline
▲ 0.50% · 4.625%
HK$163,035
+HK$8,163/mo
Deposit HK$19.31M · loan HK$28.96M · min. income ≈ HK$309,744/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,051,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,089
−HK$9,662/mo
▼ 0.25% · 3.875%
HK$158,882
−HK$4,869/mo
Today · 4.125%
HK$163,751
baseline
▲ 0.50% · 4.625%
HK$173,715
+HK$9,964/mo
Deposit HK$14.48M · loan HK$33.79M · min. income ≈ HK$327,502/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$2,051,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,422
−HK$9,261/mo
▼ 0.25% · 3.875%
HK$176,020
−HK$4,663/mo
Today · 4.125%
HK$180,683
baseline
▲ 0.50% · 4.625%
HK$190,208
+HK$9,525/mo
Deposit HK$14.48M · loan HK$33.79M · min. income ≈ HK$361,366/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$2,051,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,114
−HK$12,423/mo
▼ 0.25% · 3.875%
HK$204,276
−HK$6,261/mo
Today · 4.125%
HK$210,537
baseline
▲ 0.50% · 4.625%
HK$223,348
+HK$12,811/mo
Deposit HK$4.83M · loan HK$43.44M · min. income ≈ HK$421,074/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,051,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,400
−HK$11,907/mo
▼ 0.25% · 3.875%
HK$226,311
−HK$5,996/mo
Today · 4.125%
HK$232,307
baseline
▲ 0.50% · 4.625%
HK$244,553
+HK$12,246/mo
Deposit HK$4.83M · loan HK$43.44M · min. income ≈ HK$464,614/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,051,389 · Scale 2, in force from 26 Feb 2026)