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$109,953
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$113,373
−HK$3,475/mo
Today · 4.125%
HK$116,848
baseline
▲ 0.50% · 4.625%
HK$123,958
+HK$7,110/mo
Deposit HK$24.11M · loan HK$24.11M · min. income ≈ HK$233,696/mo (50% DSR)
Upfront cash ≈ HK$26.16M (deposit + AVD stamp duty HK$2,049,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,322
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$125,602
−HK$3,328/mo
Today · 4.125%
HK$128,930
baseline
▲ 0.50% · 4.625%
HK$135,726
+HK$6,796/mo
Deposit HK$24.11M · loan HK$24.11M · min. income ≈ HK$257,860/mo (50% DSR)
Upfront cash ≈ HK$26.16M (deposit + AVD stamp duty HK$2,049,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,944
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$136,048
−HK$4,170/mo
Today · 4.125%
HK$140,218
baseline
▲ 0.50% · 4.625%
HK$148,750
+HK$8,532/mo
Deposit HK$19.29M · loan HK$28.93M · min. income ≈ HK$280,436/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$2,049,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,786
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$150,723
−HK$3,993/mo
Today · 4.125%
HK$154,716
baseline
▲ 0.50% · 4.625%
HK$162,872
+HK$8,156/mo
Deposit HK$19.29M · loan HK$28.93M · min. income ≈ HK$309,432/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$2,049,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,934
−HK$9,653/mo
▼ 0.25% · 3.875%
HK$158,722
−HK$4,865/mo
Today · 4.125%
HK$163,587
baseline
▲ 0.50% · 4.625%
HK$173,541
+HK$9,954/mo
Deposit HK$14.47M · loan HK$33.75M · min. income ≈ HK$327,174/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,049,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,250
−HK$9,252/mo
▼ 0.25% · 3.875%
HK$175,843
−HK$4,659/mo
Today · 4.125%
HK$180,502
baseline
▲ 0.50% · 4.625%
HK$190,017
+HK$9,515/mo
Deposit HK$14.47M · loan HK$33.75M · min. income ≈ HK$361,004/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,049,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,915
−HK$12,411/mo
▼ 0.25% · 3.875%
HK$204,072
−HK$6,254/mo
Today · 4.125%
HK$210,326
baseline
▲ 0.50% · 4.625%
HK$223,124
+HK$12,798/mo
Deposit HK$4.82M · loan HK$43.40M · min. income ≈ HK$420,652/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,049,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,179
−HK$11,896/mo
▼ 0.25% · 3.875%
HK$226,084
−HK$5,991/mo
Today · 4.125%
HK$232,075
baseline
▲ 0.50% · 4.625%
HK$244,308
+HK$12,233/mo
Deposit HK$4.82M · loan HK$43.40M · min. income ≈ HK$464,150/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,049,333 · Scale 2, in force from 26 Feb 2026)