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$109,448
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$112,852
−HK$3,459/mo
Today · 4.125%
HK$116,311
baseline
▲ 0.50% · 4.625%
HK$123,389
+HK$7,078/mo
Deposit HK$24.00M · loan HK$24.00M · min. income ≈ HK$232,622/mo (50% DSR)
Upfront cash ≈ HK$26.04M (deposit + AVD stamp duty HK$2,039,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,760
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$125,025
−HK$3,313/mo
Today · 4.125%
HK$128,338
baseline
▲ 0.50% · 4.625%
HK$135,103
+HK$6,765/mo
Deposit HK$24.00M · loan HK$24.00M · min. income ≈ HK$256,676/mo (50% DSR)
Upfront cash ≈ HK$26.04M (deposit + AVD stamp duty HK$2,039,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,338
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$135,423
−HK$4,151/mo
Today · 4.125%
HK$139,574
baseline
▲ 0.50% · 4.625%
HK$148,066
+HK$8,492/mo
Deposit HK$19.20M · loan HK$28.80M · min. income ≈ HK$279,148/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,039,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,112
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$150,030
−HK$3,976/mo
Today · 4.125%
HK$154,006
baseline
▲ 0.50% · 4.625%
HK$162,124
+HK$8,118/mo
Deposit HK$19.20M · loan HK$28.80M · min. income ≈ HK$308,012/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,039,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,227
−HK$9,609/mo
▼ 0.25% · 3.875%
HK$157,993
−HK$4,843/mo
Today · 4.125%
HK$162,836
baseline
▲ 0.50% · 4.625%
HK$172,744
+HK$9,908/mo
Deposit HK$14.40M · loan HK$33.60M · min. income ≈ HK$325,672/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$2,039,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,464
−HK$9,209/mo
▼ 0.25% · 3.875%
HK$175,036
−HK$4,637/mo
Today · 4.125%
HK$179,673
baseline
▲ 0.50% · 4.625%
HK$189,144
+HK$9,471/mo
Deposit HK$14.40M · loan HK$33.60M · min. income ≈ HK$359,346/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$2,039,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,006
−HK$12,355/mo
▼ 0.25% · 3.875%
HK$203,134
−HK$6,227/mo
Today · 4.125%
HK$209,361
baseline
▲ 0.50% · 4.625%
HK$222,100
+HK$12,739/mo
Deposit HK$4.80M · loan HK$43.20M · min. income ≈ HK$418,722/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,039,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,168
−HK$11,841/mo
▼ 0.25% · 3.875%
HK$225,046
−HK$5,963/mo
Today · 4.125%
HK$231,009
baseline
▲ 0.50% · 4.625%
HK$243,185
+HK$12,176/mo
Deposit HK$4.80M · loan HK$43.20M · min. income ≈ HK$462,018/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,039,921 · Scale 2, in force from 26 Feb 2026)