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$109,525
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,932
−HK$3,461/mo
Today · 4.125%
HK$116,393
baseline
▲ 0.50% · 4.625%
HK$123,476
+HK$7,083/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$232,786/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,846
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$125,114
−HK$3,315/mo
Today · 4.125%
HK$128,429
baseline
▲ 0.50% · 4.625%
HK$135,198
+HK$6,769/mo
Deposit HK$24.02M · loan HK$24.02M · min. income ≈ HK$256,858/mo (50% DSR)
Upfront cash ≈ HK$26.06M (deposit + AVD stamp duty HK$2,041,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,430
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$135,519
−HK$4,153/mo
Today · 4.125%
HK$139,672
baseline
▲ 0.50% · 4.625%
HK$148,171
+HK$8,499/mo
Deposit HK$19.21M · loan HK$28.82M · min. income ≈ HK$279,344/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$2,041,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,215
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$150,136
−HK$3,978/mo
Today · 4.125%
HK$154,114
baseline
▲ 0.50% · 4.625%
HK$162,238
+HK$8,124/mo
Deposit HK$19.21M · loan HK$28.82M · min. income ≈ HK$308,228/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$2,041,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,335
−HK$9,616/mo
▼ 0.25% · 3.875%
HK$158,105
−HK$4,846/mo
Today · 4.125%
HK$162,951
baseline
▲ 0.50% · 4.625%
HK$172,866
+HK$9,915/mo
Deposit HK$14.41M · loan HK$33.62M · min. income ≈ HK$325,902/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,584
−HK$9,216/mo
▼ 0.25% · 3.875%
HK$175,159
−HK$4,641/mo
Today · 4.125%
HK$179,800
baseline
▲ 0.50% · 4.625%
HK$189,278
+HK$9,478/mo
Deposit HK$14.41M · loan HK$33.62M · min. income ≈ HK$359,600/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$2,041,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,145
−HK$12,363/mo
▼ 0.25% · 3.875%
HK$203,278
−HK$6,230/mo
Today · 4.125%
HK$209,508
baseline
▲ 0.50% · 4.625%
HK$222,256
+HK$12,748/mo
Deposit HK$4.80M · loan HK$43.23M · min. income ≈ HK$419,016/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,041,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,322
−HK$11,850/mo
▼ 0.25% · 3.875%
HK$225,204
−HK$5,968/mo
Today · 4.125%
HK$231,172
baseline
▲ 0.50% · 4.625%
HK$243,357
+HK$12,185/mo
Deposit HK$4.80M · loan HK$43.23M · min. income ≈ HK$462,344/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,041,360 · Scale 2, in force from 26 Feb 2026)