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$109,556
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,964
−HK$3,462/mo
Today · 4.125%
HK$116,426
baseline
▲ 0.50% · 4.625%
HK$123,510
+HK$7,084/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$232,852/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,880
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,149
−HK$3,316/mo
Today · 4.125%
HK$128,465
baseline
▲ 0.50% · 4.625%
HK$135,236
+HK$6,771/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$256,930/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,467
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$135,556
−HK$4,155/mo
Today · 4.125%
HK$139,711
baseline
▲ 0.50% · 4.625%
HK$148,212
+HK$8,501/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$279,422/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,041,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,256
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$150,178
−HK$3,980/mo
Today · 4.125%
HK$154,158
baseline
▲ 0.50% · 4.625%
HK$162,283
+HK$8,125/mo
Deposit HK$19.22M · loan HK$28.83M · min. income ≈ HK$308,316/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,041,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,378
−HK$9,618/mo
▼ 0.25% · 3.875%
HK$158,149
−HK$4,847/mo
Today · 4.125%
HK$162,996
baseline
▲ 0.50% · 4.625%
HK$172,914
+HK$9,918/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$325,992/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,041,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,632
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$175,208
−HK$4,643/mo
Today · 4.125%
HK$179,851
baseline
▲ 0.50% · 4.625%
HK$189,331
+HK$9,480/mo
Deposit HK$14.41M · loan HK$33.63M · min. income ≈ HK$359,702/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,041,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,201
−HK$12,366/mo
▼ 0.25% · 3.875%
HK$203,335
−HK$6,232/mo
Today · 4.125%
HK$209,567
baseline
▲ 0.50% · 4.625%
HK$222,319
+HK$12,752/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$419,134/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,041,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,384
−HK$11,852/mo
▼ 0.25% · 3.875%
HK$225,268
−HK$5,968/mo
Today · 4.125%
HK$231,236
baseline
▲ 0.50% · 4.625%
HK$243,425
+HK$12,189/mo
Deposit HK$4.80M · loan HK$43.24M · min. income ≈ HK$462,472/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,041,932 · Scale 2, in force from 26 Feb 2026)