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$109,907
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,326
−HK$3,473/mo
Today · 4.125%
HK$116,799
baseline
▲ 0.50% · 4.625%
HK$123,906
+HK$7,107/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$233,598/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,270
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,549
−HK$3,327/mo
Today · 4.125%
HK$128,876
baseline
▲ 0.50% · 4.625%
HK$135,669
+HK$6,793/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$257,752/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,888
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$135,991
−HK$4,168/mo
Today · 4.125%
HK$140,159
baseline
▲ 0.50% · 4.625%
HK$148,687
+HK$8,528/mo
Deposit HK$19.28M · loan HK$28.92M · min. income ≈ HK$280,318/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,724
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$150,659
−HK$3,992/mo
Today · 4.125%
HK$154,651
baseline
▲ 0.50% · 4.625%
HK$162,803
+HK$8,152/mo
Deposit HK$19.28M · loan HK$28.92M · min. income ≈ HK$309,302/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,870
−HK$9,649/mo
▼ 0.25% · 3.875%
HK$158,656
−HK$4,863/mo
Today · 4.125%
HK$163,519
baseline
▲ 0.50% · 4.625%
HK$173,468
+HK$9,949/mo
Deposit HK$14.46M · loan HK$33.74M · min. income ≈ HK$327,038/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,178
−HK$9,249/mo
▼ 0.25% · 3.875%
HK$175,769
−HK$4,658/mo
Today · 4.125%
HK$180,427
baseline
▲ 0.50% · 4.625%
HK$189,937
+HK$9,510/mo
Deposit HK$14.46M · loan HK$33.74M · min. income ≈ HK$360,854/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,832
−HK$12,406/mo
▼ 0.25% · 3.875%
HK$203,986
−HK$6,252/mo
Today · 4.125%
HK$210,238
baseline
▲ 0.50% · 4.625%
HK$223,031
+HK$12,793/mo
Deposit HK$4.82M · loan HK$43.38M · min. income ≈ HK$420,476/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,086
−HK$11,891/mo
▼ 0.25% · 3.875%
HK$225,989
−HK$5,988/mo
Today · 4.125%
HK$231,977
baseline
▲ 0.50% · 4.625%
HK$244,205
+HK$12,228/mo
Deposit HK$4.82M · loan HK$43.38M · min. income ≈ HK$463,954/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,472 · Scale 2, in force from 26 Feb 2026)