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$109,353
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$112,755
−HK$3,455/mo
Today · 4.125%
HK$116,210
baseline
▲ 0.50% · 4.625%
HK$123,282
+HK$7,072/mo
Deposit HK$23.98M · loan HK$23.98M · min. income ≈ HK$232,420/mo (50% DSR)
Upfront cash ≈ HK$26.02M (deposit + AVD stamp duty HK$2,038,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,654
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$124,917
−HK$3,310/mo
Today · 4.125%
HK$128,227
baseline
▲ 0.50% · 4.625%
HK$134,986
+HK$6,759/mo
Deposit HK$23.98M · loan HK$23.98M · min. income ≈ HK$256,454/mo (50% DSR)
Upfront cash ≈ HK$26.02M (deposit + AVD stamp duty HK$2,038,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,224
−HK$8,229/mo
▼ 0.25% · 3.875%
HK$135,305
−HK$4,148/mo
Today · 4.125%
HK$139,453
baseline
▲ 0.50% · 4.625%
HK$147,938
+HK$8,485/mo
Deposit HK$19.18M · loan HK$28.77M · min. income ≈ HK$278,906/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$2,038,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,985
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$149,900
−HK$3,972/mo
Today · 4.125%
HK$153,872
baseline
▲ 0.50% · 4.625%
HK$161,983
+HK$8,111/mo
Deposit HK$19.18M · loan HK$28.77M · min. income ≈ HK$307,744/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$2,038,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,094
−HK$9,601/mo
▼ 0.25% · 3.875%
HK$157,856
−HK$4,839/mo
Today · 4.125%
HK$162,695
baseline
▲ 0.50% · 4.625%
HK$172,594
+HK$9,899/mo
Deposit HK$14.39M · loan HK$33.57M · min. income ≈ HK$325,390/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,316
−HK$9,201/mo
▼ 0.25% · 3.875%
HK$174,884
−HK$4,633/mo
Today · 4.125%
HK$179,517
baseline
▲ 0.50% · 4.625%
HK$188,980
+HK$9,463/mo
Deposit HK$14.39M · loan HK$33.57M · min. income ≈ HK$359,034/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,835
−HK$12,344/mo
▼ 0.25% · 3.875%
HK$202,958
−HK$6,221/mo
Today · 4.125%
HK$209,179
baseline
▲ 0.50% · 4.625%
HK$221,907
+HK$12,728/mo
Deposit HK$4.80M · loan HK$43.16M · min. income ≈ HK$418,358/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,038,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,978
−HK$11,830/mo
▼ 0.25% · 3.875%
HK$224,850
−HK$5,958/mo
Today · 4.125%
HK$230,808
baseline
▲ 0.50% · 4.625%
HK$242,974
+HK$12,166/mo
Deposit HK$4.80M · loan HK$43.16M · min. income ≈ HK$461,616/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,038,150 · Scale 2, in force from 26 Feb 2026)