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$109,784
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$113,199
−HK$3,470/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$2,046,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,134
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$125,410
−HK$3,322/mo
Today · 4.125%
HK$128,732
baseline
▲ 0.50% · 4.625%
HK$135,518
+HK$6,786/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$257,464/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,741
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$135,839
−HK$4,164/mo
Today · 4.125%
HK$140,003
baseline
▲ 0.50% · 4.625%
HK$148,521
+HK$8,518/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$2,046,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,561
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$150,491
−HK$3,988/mo
Today · 4.125%
HK$154,479
baseline
▲ 0.50% · 4.625%
HK$162,622
+HK$8,143/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$308,958/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,046,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,698
−HK$9,638/mo
▼ 0.25% · 3.875%
HK$158,479
−HK$4,857/mo
Today · 4.125%
HK$163,336
baseline
▲ 0.50% · 4.625%
HK$173,275
+HK$9,939/mo
Deposit HK$14.44M · loan HK$33.70M · min. income ≈ HK$326,672/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,988
−HK$9,237/mo
▼ 0.25% · 3.875%
HK$175,573
−HK$4,652/mo
Today · 4.125%
HK$180,225
baseline
▲ 0.50% · 4.625%
HK$189,725
+HK$9,500/mo
Deposit HK$14.44M · loan HK$33.70M · min. income ≈ HK$360,450/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,612
−HK$12,392/mo
▼ 0.25% · 3.875%
HK$203,759
−HK$6,245/mo
Today · 4.125%
HK$210,004
baseline
▲ 0.50% · 4.625%
HK$222,782
+HK$12,778/mo
Deposit HK$4.81M · loan HK$43.33M · min. income ≈ HK$420,008/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,841
−HK$11,877/mo
▼ 0.25% · 3.875%
HK$225,737
−HK$5,981/mo
Today · 4.125%
HK$231,718
baseline
▲ 0.50% · 4.625%
HK$243,933
+HK$12,215/mo
Deposit HK$4.81M · loan HK$43.33M · min. income ≈ HK$463,436/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,189 · Scale 2, in force from 26 Feb 2026)