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$109,768
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$113,182
−HK$3,469/mo
Today · 4.125%
HK$116,651
baseline
▲ 0.50% · 4.625%
HK$123,749
+HK$7,098/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$233,302/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,045,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,115
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$125,390
−HK$3,323/mo
Today · 4.125%
HK$128,713
baseline
▲ 0.50% · 4.625%
HK$135,498
+HK$6,785/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$257,426/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,045,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,721
−HK$8,260/mo
▼ 0.25% · 3.875%
HK$135,818
−HK$4,163/mo
Today · 4.125%
HK$139,981
baseline
▲ 0.50% · 4.625%
HK$148,499
+HK$8,518/mo
Deposit HK$19.26M · loan HK$28.88M · min. income ≈ HK$279,962/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,045,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,538
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$150,469
−HK$3,987/mo
Today · 4.125%
HK$154,456
baseline
▲ 0.50% · 4.625%
HK$162,597
+HK$8,141/mo
Deposit HK$19.26M · loan HK$28.88M · min. income ≈ HK$308,912/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,045,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,675
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$158,455
−HK$4,856/mo
Today · 4.125%
HK$163,311
baseline
▲ 0.50% · 4.625%
HK$173,249
+HK$9,938/mo
Deposit HK$14.44M · loan HK$33.70M · min. income ≈ HK$326,622/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,045,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,962
−HK$9,236/mo
▼ 0.25% · 3.875%
HK$175,547
−HK$4,651/mo
Today · 4.125%
HK$180,198
baseline
▲ 0.50% · 4.625%
HK$189,697
+HK$9,499/mo
Deposit HK$14.44M · loan HK$33.70M · min. income ≈ HK$360,396/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,045,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,582
−HK$12,390/mo
▼ 0.25% · 3.875%
HK$203,728
−HK$6,244/mo
Today · 4.125%
HK$209,972
baseline
▲ 0.50% · 4.625%
HK$222,748
+HK$12,776/mo
Deposit HK$4.81M · loan HK$43.32M · min. income ≈ HK$419,944/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,045,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,808
−HK$11,875/mo
▼ 0.25% · 3.875%
HK$225,703
−HK$5,980/mo
Today · 4.125%
HK$231,683
baseline
▲ 0.50% · 4.625%
HK$243,896
+HK$12,213/mo
Deposit HK$4.81M · loan HK$43.32M · min. income ≈ HK$463,366/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,045,878 · Scale 2, in force from 26 Feb 2026)