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$110,161
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$113,588
−HK$3,481/mo
Today · 4.125%
HK$117,069
baseline
▲ 0.50% · 4.625%
HK$124,192
+HK$7,123/mo
Deposit HK$24.16M · loan HK$24.16M · min. income ≈ HK$234,138/mo (50% DSR)
Upfront cash ≈ HK$26.21M (deposit + AVD stamp duty HK$2,053,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,553
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$125,840
−HK$3,334/mo
Today · 4.125%
HK$129,174
baseline
▲ 0.50% · 4.625%
HK$135,983
+HK$6,809/mo
Deposit HK$24.16M · loan HK$24.16M · min. income ≈ HK$258,348/mo (50% DSR)
Upfront cash ≈ HK$26.21M (deposit + AVD stamp duty HK$2,053,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,193
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$136,305
−HK$4,178/mo
Today · 4.125%
HK$140,483
baseline
▲ 0.50% · 4.625%
HK$149,031
+HK$8,548/mo
Deposit HK$19.32M · loan HK$28.99M · min. income ≈ HK$280,966/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,053,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,063
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$151,008
−HK$4,001/mo
Today · 4.125%
HK$155,009
baseline
▲ 0.50% · 4.625%
HK$163,180
+HK$8,171/mo
Deposit HK$19.32M · loan HK$28.99M · min. income ≈ HK$310,018/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,053,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,225
−HK$9,672/mo
▼ 0.25% · 3.875%
HK$159,023
−HK$4,874/mo
Today · 4.125%
HK$163,897
baseline
▲ 0.50% · 4.625%
HK$173,869
+HK$9,972/mo
Deposit HK$14.49M · loan HK$33.82M · min. income ≈ HK$327,794/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,053,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,574
−HK$9,270/mo
▼ 0.25% · 3.875%
HK$176,176
−HK$4,668/mo
Today · 4.125%
HK$180,844
baseline
▲ 0.50% · 4.625%
HK$190,376
+HK$9,532/mo
Deposit HK$14.49M · loan HK$33.82M · min. income ≈ HK$361,688/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,053,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,290
−HK$12,434/mo
▼ 0.25% · 3.875%
HK$204,458
−HK$6,266/mo
Today · 4.125%
HK$210,724
baseline
▲ 0.50% · 4.625%
HK$223,546
+HK$12,822/mo
Deposit HK$4.83M · loan HK$43.48M · min. income ≈ HK$421,448/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,053,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,595
−HK$11,918/mo
▼ 0.25% · 3.875%
HK$226,511
−HK$6,002/mo
Today · 4.125%
HK$232,513
baseline
▲ 0.50% · 4.625%
HK$244,769
+HK$12,256/mo
Deposit HK$4.83M · loan HK$43.48M · min. income ≈ HK$465,026/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,053,207 · Scale 2, in force from 26 Feb 2026)