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$110,038
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,461
−HK$3,477/mo
Today · 4.125%
HK$116,938
baseline
▲ 0.50% · 4.625%
HK$124,054
+HK$7,116/mo
Deposit HK$24.13M · loan HK$24.13M · min. income ≈ HK$233,876/mo (50% DSR)
Upfront cash ≈ HK$26.18M (deposit + AVD stamp duty HK$2,050,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,416
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,699
−HK$3,331/mo
Today · 4.125%
HK$129,030
baseline
▲ 0.50% · 4.625%
HK$135,831
+HK$6,801/mo
Deposit HK$24.13M · loan HK$24.13M · min. income ≈ HK$258,060/mo (50% DSR)
Upfront cash ≈ HK$26.18M (deposit + AVD stamp duty HK$2,050,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,046
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$136,153
−HK$4,173/mo
Today · 4.125%
HK$140,326
baseline
▲ 0.50% · 4.625%
HK$148,865
+HK$8,539/mo
Deposit HK$19.30M · loan HK$28.95M · min. income ≈ HK$280,652/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,050,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,899
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$150,839
−HK$3,997/mo
Today · 4.125%
HK$154,836
baseline
▲ 0.50% · 4.625%
HK$162,998
+HK$8,162/mo
Deposit HK$19.30M · loan HK$28.95M · min. income ≈ HK$309,672/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,050,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,053
−HK$9,661/mo
▼ 0.25% · 3.875%
HK$158,845
−HK$4,869/mo
Today · 4.125%
HK$163,714
baseline
▲ 0.50% · 4.625%
HK$173,675
+HK$9,961/mo
Deposit HK$14.48M · loan HK$33.78M · min. income ≈ HK$327,428/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$2,050,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,383
−HK$9,259/mo
▼ 0.25% · 3.875%
HK$175,979
−HK$4,663/mo
Today · 4.125%
HK$180,642
baseline
▲ 0.50% · 4.625%
HK$190,164
+HK$9,522/mo
Deposit HK$14.48M · loan HK$33.78M · min. income ≈ HK$361,284/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$2,050,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,068
−HK$12,421/mo
▼ 0.25% · 3.875%
HK$204,230
−HK$6,259/mo
Today · 4.125%
HK$210,489
baseline
▲ 0.50% · 4.625%
HK$223,297
+HK$12,808/mo
Deposit HK$4.83M · loan HK$43.43M · min. income ≈ HK$420,978/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,050,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,349
−HK$11,905/mo
▼ 0.25% · 3.875%
HK$226,259
−HK$5,995/mo
Today · 4.125%
HK$232,254
baseline
▲ 0.50% · 4.625%
HK$244,496
+HK$12,242/mo
Deposit HK$4.83M · loan HK$43.43M · min. income ≈ HK$464,508/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,050,917 · Scale 2, in force from 26 Feb 2026)