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$109,682
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$113,093
−HK$3,467/mo
Today · 4.125%
HK$116,560
baseline
▲ 0.50% · 4.625%
HK$123,652
+HK$7,092/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$233,120/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,044,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,020
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,292
−HK$3,320/mo
Today · 4.125%
HK$128,612
baseline
▲ 0.50% · 4.625%
HK$135,391
+HK$6,779/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$257,224/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,044,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,618
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$135,712
−HK$4,159/mo
Today · 4.125%
HK$139,871
baseline
▲ 0.50% · 4.625%
HK$148,382
+HK$8,511/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$279,742/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,044,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,424
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$150,351
−HK$3,983/mo
Today · 4.125%
HK$154,334
baseline
▲ 0.50% · 4.625%
HK$162,470
+HK$8,136/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$308,668/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,044,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,554
−HK$9,629/mo
▼ 0.25% · 3.875%
HK$158,331
−HK$4,852/mo
Today · 4.125%
HK$163,183
baseline
▲ 0.50% · 4.625%
HK$173,113
+HK$9,930/mo
Deposit HK$14.43M · loan HK$33.67M · min. income ≈ HK$326,366/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,044,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,827
−HK$9,230/mo
▼ 0.25% · 3.875%
HK$175,409
−HK$4,648/mo
Today · 4.125%
HK$180,057
baseline
▲ 0.50% · 4.625%
HK$189,548
+HK$9,491/mo
Deposit HK$14.43M · loan HK$33.67M · min. income ≈ HK$360,114/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,044,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,427
−HK$12,380/mo
▼ 0.25% · 3.875%
HK$203,568
−HK$6,239/mo
Today · 4.125%
HK$209,807
baseline
▲ 0.50% · 4.625%
HK$222,573
+HK$12,766/mo
Deposit HK$4.81M · loan HK$43.29M · min. income ≈ HK$419,614/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,044,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,635
−HK$11,867/mo
▼ 0.25% · 3.875%
HK$225,526
−HK$5,976/mo
Today · 4.125%
HK$231,502
baseline
▲ 0.50% · 4.625%
HK$243,704
+HK$12,202/mo
Deposit HK$4.81M · loan HK$43.29M · min. income ≈ HK$463,004/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,044,273 · Scale 2, in force from 26 Feb 2026)