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$110,152
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,578
−HK$3,481/mo
Today · 4.125%
HK$117,059
baseline
▲ 0.50% · 4.625%
HK$124,182
+HK$7,123/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$234,118/mo (50% DSR)
Upfront cash ≈ HK$26.21M (deposit + AVD stamp duty HK$2,053,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,543
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,829
−HK$3,334/mo
Today · 4.125%
HK$129,163
baseline
▲ 0.50% · 4.625%
HK$135,971
+HK$6,808/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$258,326/mo (50% DSR)
Upfront cash ≈ HK$26.21M (deposit + AVD stamp duty HK$2,053,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,182
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$136,293
−HK$4,178/mo
Today · 4.125%
HK$140,471
baseline
▲ 0.50% · 4.625%
HK$149,018
+HK$8,547/mo
Deposit HK$19.32M · loan HK$28.98M · min. income ≈ HK$280,942/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,053,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,051
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$150,995
−HK$4,001/mo
Today · 4.125%
HK$154,996
baseline
▲ 0.50% · 4.625%
HK$163,166
+HK$8,170/mo
Deposit HK$19.32M · loan HK$28.98M · min. income ≈ HK$309,992/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,053,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,212
−HK$9,671/mo
▼ 0.25% · 3.875%
HK$159,009
−HK$4,874/mo
Today · 4.125%
HK$163,883
baseline
▲ 0.50% · 4.625%
HK$173,855
+HK$9,972/mo
Deposit HK$14.49M · loan HK$33.81M · min. income ≈ HK$327,766/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,053,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,560
−HK$9,268/mo
▼ 0.25% · 3.875%
HK$176,161
−HK$4,667/mo
Today · 4.125%
HK$180,828
baseline
▲ 0.50% · 4.625%
HK$190,360
+HK$9,532/mo
Deposit HK$14.49M · loan HK$33.81M · min. income ≈ HK$361,656/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,053,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,273
−HK$12,433/mo
▼ 0.25% · 3.875%
HK$204,440
−HK$6,266/mo
Today · 4.125%
HK$210,706
baseline
▲ 0.50% · 4.625%
HK$223,527
+HK$12,821/mo
Deposit HK$4.83M · loan HK$43.48M · min. income ≈ HK$421,412/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,053,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,577
−HK$11,917/mo
▼ 0.25% · 3.875%
HK$226,492
−HK$6,002/mo
Today · 4.125%
HK$232,494
baseline
▲ 0.50% · 4.625%
HK$244,749
+HK$12,255/mo
Deposit HK$4.83M · loan HK$43.48M · min. income ≈ HK$464,988/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,053,033 · Scale 2, in force from 26 Feb 2026)