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$109,904
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,322
−HK$3,474/mo
Today · 4.125%
HK$116,796
baseline
▲ 0.50% · 4.625%
HK$123,902
+HK$7,106/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$233,592/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,267
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$125,546
−HK$3,326/mo
Today · 4.125%
HK$128,872
baseline
▲ 0.50% · 4.625%
HK$135,665
+HK$6,793/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$257,744/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,884
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$135,987
−HK$4,168/mo
Today · 4.125%
HK$140,155
baseline
▲ 0.50% · 4.625%
HK$148,683
+HK$8,528/mo
Deposit HK$19.28M · loan HK$28.92M · min. income ≈ HK$280,310/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,720
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$150,655
−HK$3,992/mo
Today · 4.125%
HK$154,647
baseline
▲ 0.50% · 4.625%
HK$162,799
+HK$8,152/mo
Deposit HK$19.28M · loan HK$28.92M · min. income ≈ HK$309,294/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,865
−HK$9,649/mo
▼ 0.25% · 3.875%
HK$158,651
−HK$4,863/mo
Today · 4.125%
HK$163,514
baseline
▲ 0.50% · 4.625%
HK$173,463
+HK$9,949/mo
Deposit HK$14.46M · loan HK$33.74M · min. income ≈ HK$327,028/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,173
−HK$9,248/mo
▼ 0.25% · 3.875%
HK$175,764
−HK$4,657/mo
Today · 4.125%
HK$180,421
baseline
▲ 0.50% · 4.625%
HK$189,932
+HK$9,511/mo
Deposit HK$14.46M · loan HK$33.74M · min. income ≈ HK$360,842/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,827
−HK$12,405/mo
▼ 0.25% · 3.875%
HK$203,980
−HK$6,252/mo
Today · 4.125%
HK$210,232
baseline
▲ 0.50% · 4.625%
HK$223,024
+HK$12,792/mo
Deposit HK$4.82M · loan HK$43.38M · min. income ≈ HK$420,464/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,080
−HK$11,890/mo
▼ 0.25% · 3.875%
HK$225,983
−HK$5,987/mo
Today · 4.125%
HK$231,970
baseline
▲ 0.50% · 4.625%
HK$244,198
+HK$12,228/mo
Deposit HK$4.82M · loan HK$43.38M · min. income ≈ HK$463,940/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,413 · Scale 2, in force from 26 Feb 2026)