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$109,921
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,341
−HK$3,474/mo
Today · 4.125%
HK$116,815
baseline
▲ 0.50% · 4.625%
HK$123,922
+HK$7,107/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$233,630/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,287
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,566
−HK$3,327/mo
Today · 4.125%
HK$128,893
baseline
▲ 0.50% · 4.625%
HK$135,687
+HK$6,794/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$257,786/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,906
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$136,009
−HK$4,168/mo
Today · 4.125%
HK$140,177
baseline
▲ 0.50% · 4.625%
HK$148,707
+HK$8,530/mo
Deposit HK$19.28M · loan HK$28.92M · min. income ≈ HK$280,354/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,744
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$150,679
−HK$3,993/mo
Today · 4.125%
HK$154,672
baseline
▲ 0.50% · 4.625%
HK$162,825
+HK$8,153/mo
Deposit HK$19.28M · loan HK$28.92M · min. income ≈ HK$309,344/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,890
−HK$9,650/mo
▼ 0.25% · 3.875%
HK$158,677
−HK$4,863/mo
Today · 4.125%
HK$163,540
baseline
▲ 0.50% · 4.625%
HK$173,491
+HK$9,951/mo
Deposit HK$14.46M · loan HK$33.74M · min. income ≈ HK$327,080/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,201
−HK$9,250/mo
▼ 0.25% · 3.875%
HK$175,793
−HK$4,658/mo
Today · 4.125%
HK$180,451
baseline
▲ 0.50% · 4.625%
HK$189,962
+HK$9,511/mo
Deposit HK$14.46M · loan HK$33.74M · min. income ≈ HK$360,902/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,859
−HK$12,407/mo
▼ 0.25% · 3.875%
HK$204,013
−HK$6,253/mo
Today · 4.125%
HK$210,266
baseline
▲ 0.50% · 4.625%
HK$223,060
+HK$12,794/mo
Deposit HK$4.82M · loan HK$43.39M · min. income ≈ HK$420,532/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,116
−HK$11,892/mo
▼ 0.25% · 3.875%
HK$226,019
−HK$5,989/mo
Today · 4.125%
HK$232,008
baseline
▲ 0.50% · 4.625%
HK$244,237
+HK$12,229/mo
Deposit HK$4.82M · loan HK$43.39M · min. income ≈ HK$464,016/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,745 · Scale 2, in force from 26 Feb 2026)