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$110,432
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$113,867
−HK$3,490/mo
Today · 4.125%
HK$117,357
baseline
▲ 0.50% · 4.625%
HK$124,498
+HK$7,141/mo
Deposit HK$24.21M · loan HK$24.21M · min. income ≈ HK$234,714/mo (50% DSR)
Upfront cash ≈ HK$26.27M (deposit + AVD stamp duty HK$2,058,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,855
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$126,149
−HK$3,343/mo
Today · 4.125%
HK$129,492
baseline
▲ 0.50% · 4.625%
HK$136,318
+HK$6,826/mo
Deposit HK$24.21M · loan HK$24.21M · min. income ≈ HK$258,984/mo (50% DSR)
Upfront cash ≈ HK$26.27M (deposit + AVD stamp duty HK$2,058,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,519
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,641
−HK$4,188/mo
Today · 4.125%
HK$140,829
baseline
▲ 0.50% · 4.625%
HK$149,398
+HK$8,569/mo
Deposit HK$19.37M · loan HK$29.06M · min. income ≈ HK$281,658/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$2,058,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,426
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$151,379
−HK$4,011/mo
Today · 4.125%
HK$155,390
baseline
▲ 0.50% · 4.625%
HK$163,581
+HK$8,191/mo
Deposit HK$19.37M · loan HK$29.06M · min. income ≈ HK$310,780/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$2,058,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,605
−HK$9,695/mo
▼ 0.25% · 3.875%
HK$159,414
−HK$4,886/mo
Today · 4.125%
HK$164,300
baseline
▲ 0.50% · 4.625%
HK$174,297
+HK$9,997/mo
Deposit HK$14.53M · loan HK$33.90M · min. income ≈ HK$328,600/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$2,058,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,996
−HK$9,293/mo
▼ 0.25% · 3.875%
HK$176,609
−HK$4,680/mo
Today · 4.125%
HK$181,289
baseline
▲ 0.50% · 4.625%
HK$190,845
+HK$9,556/mo
Deposit HK$14.53M · loan HK$33.90M · min. income ≈ HK$362,578/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$2,058,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,778
−HK$12,465/mo
▼ 0.25% · 3.875%
HK$204,961
−HK$6,282/mo
Today · 4.125%
HK$211,243
baseline
▲ 0.50% · 4.625%
HK$224,097
+HK$12,854/mo
Deposit HK$4.84M · loan HK$43.59M · min. income ≈ HK$422,486/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,058,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,138
−HK$11,948/mo
▼ 0.25% · 3.875%
HK$227,069
−HK$6,017/mo
Today · 4.125%
HK$233,086
baseline
▲ 0.50% · 4.625%
HK$245,372
+HK$12,286/mo
Deposit HK$4.84M · loan HK$43.59M · min. income ≈ HK$466,172/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,058,262 · Scale 2, in force from 26 Feb 2026)