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$109,356
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$112,758
−HK$3,456/mo
Today · 4.125%
HK$116,214
baseline
▲ 0.50% · 4.625%
HK$123,285
+HK$7,071/mo
Deposit HK$23.98M · loan HK$23.98M · min. income ≈ HK$232,428/mo (50% DSR)
Upfront cash ≈ HK$26.02M (deposit + AVD stamp duty HK$2,038,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,657
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$124,920
−HK$3,310/mo
Today · 4.125%
HK$128,230
baseline
▲ 0.50% · 4.625%
HK$134,989
+HK$6,759/mo
Deposit HK$23.98M · loan HK$23.98M · min. income ≈ HK$256,460/mo (50% DSR)
Upfront cash ≈ HK$26.02M (deposit + AVD stamp duty HK$2,038,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,227
−HK$8,229/mo
▼ 0.25% · 3.875%
HK$135,309
−HK$4,147/mo
Today · 4.125%
HK$139,456
baseline
▲ 0.50% · 4.625%
HK$147,942
+HK$8,486/mo
Deposit HK$19.18M · loan HK$28.77M · min. income ≈ HK$278,912/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$2,038,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,989
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$149,904
−HK$3,972/mo
Today · 4.125%
HK$153,876
baseline
▲ 0.50% · 4.625%
HK$161,987
+HK$8,111/mo
Deposit HK$19.18M · loan HK$28.77M · min. income ≈ HK$307,752/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$2,038,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,098
−HK$9,601/mo
▼ 0.25% · 3.875%
HK$157,861
−HK$4,838/mo
Today · 4.125%
HK$162,699
baseline
▲ 0.50% · 4.625%
HK$172,599
+HK$9,900/mo
Deposit HK$14.39M · loan HK$33.57M · min. income ≈ HK$325,398/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,320
−HK$9,202/mo
▼ 0.25% · 3.875%
HK$174,888
−HK$4,634/mo
Today · 4.125%
HK$179,522
baseline
▲ 0.50% · 4.625%
HK$188,985
+HK$9,463/mo
Deposit HK$14.39M · loan HK$33.57M · min. income ≈ HK$359,044/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,841
−HK$12,343/mo
▼ 0.25% · 3.875%
HK$202,964
−HK$6,220/mo
Today · 4.125%
HK$209,184
baseline
▲ 0.50% · 4.625%
HK$221,913
+HK$12,729/mo
Deposit HK$4.80M · loan HK$43.16M · min. income ≈ HK$418,368/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,038,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,983
−HK$11,831/mo
▼ 0.25% · 3.875%
HK$224,856
−HK$5,958/mo
Today · 4.125%
HK$230,814
baseline
▲ 0.50% · 4.625%
HK$242,981
+HK$12,167/mo
Deposit HK$4.80M · loan HK$43.16M · min. income ≈ HK$461,628/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,038,205 · Scale 2, in force from 26 Feb 2026)