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$109,490
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$112,896
−HK$3,460/mo
Today · 4.125%
HK$116,356
baseline
▲ 0.50% · 4.625%
HK$123,436
+HK$7,080/mo
Deposit HK$24.01M · loan HK$24.01M · min. income ≈ HK$232,712/mo (50% DSR)
Upfront cash ≈ HK$26.05M (deposit + AVD stamp duty HK$2,040,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,807
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$125,074
−HK$3,314/mo
Today · 4.125%
HK$128,388
baseline
▲ 0.50% · 4.625%
HK$135,155
+HK$6,767/mo
Deposit HK$24.01M · loan HK$24.01M · min. income ≈ HK$256,776/mo (50% DSR)
Upfront cash ≈ HK$26.05M (deposit + AVD stamp duty HK$2,040,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,388
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$135,475
−HK$4,153/mo
Today · 4.125%
HK$139,628
baseline
▲ 0.50% · 4.625%
HK$148,124
+HK$8,496/mo
Deposit HK$19.21M · loan HK$28.81M · min. income ≈ HK$279,256/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$2,040,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,168
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,088
−HK$3,977/mo
Today · 4.125%
HK$154,065
baseline
▲ 0.50% · 4.625%
HK$162,186
+HK$8,121/mo
Deposit HK$19.21M · loan HK$28.81M · min. income ≈ HK$308,130/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$2,040,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,286
−HK$9,613/mo
▼ 0.25% · 3.875%
HK$158,055
−HK$4,844/mo
Today · 4.125%
HK$162,899
baseline
▲ 0.50% · 4.625%
HK$172,811
+HK$9,912/mo
Deposit HK$14.41M · loan HK$33.61M · min. income ≈ HK$325,798/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,040,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,530
−HK$9,213/mo
▼ 0.25% · 3.875%
HK$175,103
−HK$4,640/mo
Today · 4.125%
HK$179,743
baseline
▲ 0.50% · 4.625%
HK$189,217
+HK$9,474/mo
Deposit HK$14.41M · loan HK$33.61M · min. income ≈ HK$359,486/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,040,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,083
−HK$12,358/mo
▼ 0.25% · 3.875%
HK$203,213
−HK$6,228/mo
Today · 4.125%
HK$209,441
baseline
▲ 0.50% · 4.625%
HK$222,185
+HK$12,744/mo
Deposit HK$4.80M · loan HK$43.22M · min. income ≈ HK$418,882/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,040,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,252
−HK$11,846/mo
▼ 0.25% · 3.875%
HK$225,133
−HK$5,965/mo
Today · 4.125%
HK$231,098
baseline
▲ 0.50% · 4.625%
HK$243,279
+HK$12,181/mo
Deposit HK$4.80M · loan HK$43.22M · min. income ≈ HK$462,196/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,040,709 · Scale 2, in force from 26 Feb 2026)