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$109,749
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,163
−HK$3,468/mo
Today · 4.125%
HK$116,631
baseline
▲ 0.50% · 4.625%
HK$123,728
+HK$7,097/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$233,262/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,045,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,094
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$125,369
−HK$3,322/mo
Today · 4.125%
HK$128,691
baseline
▲ 0.50% · 4.625%
HK$135,474
+HK$6,783/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$257,382/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,045,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,699
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,795
−HK$4,162/mo
Today · 4.125%
HK$139,957
baseline
▲ 0.50% · 4.625%
HK$148,473
+HK$8,516/mo
Deposit HK$19.25M · loan HK$28.88M · min. income ≈ HK$279,914/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,045,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,513
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$150,443
−HK$3,986/mo
Today · 4.125%
HK$154,429
baseline
▲ 0.50% · 4.625%
HK$162,569
+HK$8,140/mo
Deposit HK$19.25M · loan HK$28.88M · min. income ≈ HK$308,858/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,045,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,648
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$158,428
−HK$4,855/mo
Today · 4.125%
HK$163,283
baseline
▲ 0.50% · 4.625%
HK$173,219
+HK$9,936/mo
Deposit HK$14.44M · loan HK$33.69M · min. income ≈ HK$326,566/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$2,045,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,932
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$175,517
−HK$4,650/mo
Today · 4.125%
HK$180,167
baseline
▲ 0.50% · 4.625%
HK$189,664
+HK$9,497/mo
Deposit HK$14.44M · loan HK$33.69M · min. income ≈ HK$360,334/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$2,045,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,548
−HK$12,388/mo
▼ 0.25% · 3.875%
HK$203,693
−HK$6,243/mo
Today · 4.125%
HK$209,936
baseline
▲ 0.50% · 4.625%
HK$222,710
+HK$12,774/mo
Deposit HK$4.81M · loan HK$43.32M · min. income ≈ HK$419,872/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,045,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,770
−HK$11,874/mo
▼ 0.25% · 3.875%
HK$225,664
−HK$5,980/mo
Today · 4.125%
HK$231,644
baseline
▲ 0.50% · 4.625%
HK$243,854
+HK$12,210/mo
Deposit HK$4.81M · loan HK$43.32M · min. income ≈ HK$463,288/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,045,527 · Scale 2, in force from 26 Feb 2026)