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$110,551
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,989
−HK$3,494/mo
Today · 4.125%
HK$117,483
baseline
▲ 0.50% · 4.625%
HK$124,632
+HK$7,149/mo
Deposit HK$24.24M · loan HK$24.24M · min. income ≈ HK$234,966/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$2,060,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,987
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,285
−HK$3,346/mo
Today · 4.125%
HK$129,631
baseline
▲ 0.50% · 4.625%
HK$136,464
+HK$6,833/mo
Deposit HK$24.24M · loan HK$24.24M · min. income ≈ HK$259,262/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$2,060,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,661
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$136,787
−HK$4,193/mo
Today · 4.125%
HK$140,980
baseline
▲ 0.50% · 4.625%
HK$149,558
+HK$8,578/mo
Deposit HK$19.39M · loan HK$29.09M · min. income ≈ HK$281,960/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,060,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,584
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$151,542
−HK$4,015/mo
Today · 4.125%
HK$155,557
baseline
▲ 0.50% · 4.625%
HK$163,757
+HK$8,200/mo
Deposit HK$19.39M · loan HK$29.09M · min. income ≈ HK$311,114/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,060,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,771
−HK$9,705/mo
▼ 0.25% · 3.875%
HK$159,585
−HK$4,891/mo
Today · 4.125%
HK$164,476
baseline
▲ 0.50% · 4.625%
HK$174,484
+HK$10,008/mo
Deposit HK$14.54M · loan HK$33.94M · min. income ≈ HK$328,952/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,060,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,181
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$176,799
−HK$4,685/mo
Today · 4.125%
HK$181,484
baseline
▲ 0.50% · 4.625%
HK$191,050
+HK$9,566/mo
Deposit HK$14.54M · loan HK$33.94M · min. income ≈ HK$362,968/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,060,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,991
−HK$12,479/mo
▼ 0.25% · 3.875%
HK$205,181
−HK$6,289/mo
Today · 4.125%
HK$211,470
baseline
▲ 0.50% · 4.625%
HK$224,337
+HK$12,867/mo
Deposit HK$4.85M · loan HK$43.63M · min. income ≈ HK$422,940/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,060,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,376
−HK$11,960/mo
▼ 0.25% · 3.875%
HK$227,313
−HK$6,023/mo
Today · 4.125%
HK$233,336
baseline
▲ 0.50% · 4.625%
HK$245,635
+HK$12,299/mo
Deposit HK$4.85M · loan HK$43.63M · min. income ≈ HK$466,672/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,060,472 · Scale 2, in force from 26 Feb 2026)