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$110,277
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$113,707
−HK$3,485/mo
Today · 4.125%
HK$117,192
baseline
▲ 0.50% · 4.625%
HK$124,323
+HK$7,131/mo
Deposit HK$24.18M · loan HK$24.18M · min. income ≈ HK$234,384/mo (50% DSR)
Upfront cash ≈ HK$26.24M (deposit + AVD stamp duty HK$2,055,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,682
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$125,972
−HK$3,338/mo
Today · 4.125%
HK$129,310
baseline
▲ 0.50% · 4.625%
HK$136,126
+HK$6,816/mo
Deposit HK$24.18M · loan HK$24.18M · min. income ≈ HK$258,620/mo (50% DSR)
Upfront cash ≈ HK$26.24M (deposit + AVD stamp duty HK$2,055,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,332
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$136,448
−HK$4,182/mo
Today · 4.125%
HK$140,630
baseline
▲ 0.50% · 4.625%
HK$149,187
+HK$8,557/mo
Deposit HK$19.34M · loan HK$29.02M · min. income ≈ HK$281,260/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$2,055,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,218
−HK$7,954/mo
▼ 0.25% · 3.875%
HK$151,166
−HK$4,006/mo
Today · 4.125%
HK$155,172
baseline
▲ 0.50% · 4.625%
HK$163,351
+HK$8,179/mo
Deposit HK$19.34M · loan HK$29.02M · min. income ≈ HK$310,344/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$2,055,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,387
−HK$9,682/mo
▼ 0.25% · 3.875%
HK$159,190
−HK$4,879/mo
Today · 4.125%
HK$164,069
baseline
▲ 0.50% · 4.625%
HK$174,052
+HK$9,983/mo
Deposit HK$14.51M · loan HK$33.85M · min. income ≈ HK$328,138/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$2,055,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,754
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$176,361
−HK$4,673/mo
Today · 4.125%
HK$181,034
baseline
▲ 0.50% · 4.625%
HK$190,576
+HK$9,542/mo
Deposit HK$14.51M · loan HK$33.85M · min. income ≈ HK$362,068/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$2,055,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,498
−HK$12,448/mo
▼ 0.25% · 3.875%
HK$204,673
−HK$6,273/mo
Today · 4.125%
HK$210,946
baseline
▲ 0.50% · 4.625%
HK$223,781
+HK$12,835/mo
Deposit HK$4.84M · loan HK$43.53M · min. income ≈ HK$421,892/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,055,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,827
−HK$11,931/mo
▼ 0.25% · 3.875%
HK$226,750
−HK$6,008/mo
Today · 4.125%
HK$232,758
baseline
▲ 0.50% · 4.625%
HK$245,027
+HK$12,269/mo
Deposit HK$4.84M · loan HK$43.53M · min. income ≈ HK$465,516/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,055,366 · Scale 2, in force from 26 Feb 2026)