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$109,785
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$113,200
−HK$3,469/mo
Today · 4.125%
HK$116,669
baseline
▲ 0.50% · 4.625%
HK$123,768
+HK$7,099/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$233,338/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,135
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$125,410
−HK$3,323/mo
Today · 4.125%
HK$128,733
baseline
▲ 0.50% · 4.625%
HK$135,519
+HK$6,786/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$257,466/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,742
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$135,840
−HK$4,163/mo
Today · 4.125%
HK$140,003
baseline
▲ 0.50% · 4.625%
HK$148,522
+HK$8,519/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$280,006/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,046,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,562
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$150,492
−HK$3,988/mo
Today · 4.125%
HK$154,480
baseline
▲ 0.50% · 4.625%
HK$162,623
+HK$8,143/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$308,960/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,046,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,699
−HK$9,638/mo
▼ 0.25% · 3.875%
HK$158,480
−HK$4,857/mo
Today · 4.125%
HK$163,337
baseline
▲ 0.50% · 4.625%
HK$173,276
+HK$9,939/mo
Deposit HK$14.44M · loan HK$33.70M · min. income ≈ HK$326,674/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,988
−HK$9,238/mo
▼ 0.25% · 3.875%
HK$175,574
−HK$4,652/mo
Today · 4.125%
HK$180,226
baseline
▲ 0.50% · 4.625%
HK$189,726
+HK$9,500/mo
Deposit HK$14.44M · loan HK$33.70M · min. income ≈ HK$360,452/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,613
−HK$12,392/mo
▼ 0.25% · 3.875%
HK$203,760
−HK$6,245/mo
Today · 4.125%
HK$210,005
baseline
▲ 0.50% · 4.625%
HK$222,783
+HK$12,778/mo
Deposit HK$4.81M · loan HK$43.33M · min. income ≈ HK$420,010/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,842
−HK$11,878/mo
▼ 0.25% · 3.875%
HK$225,738
−HK$5,982/mo
Today · 4.125%
HK$231,720
baseline
▲ 0.50% · 4.625%
HK$243,934
+HK$12,214/mo
Deposit HK$4.81M · loan HK$43.33M · min. income ≈ HK$463,440/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,200 · Scale 2, in force from 26 Feb 2026)