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$110,029
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,452
−HK$3,477/mo
Today · 4.125%
HK$116,929
baseline
▲ 0.50% · 4.625%
HK$124,044
+HK$7,115/mo
Deposit HK$24.13M · loan HK$24.13M · min. income ≈ HK$233,858/mo (50% DSR)
Upfront cash ≈ HK$26.18M (deposit + AVD stamp duty HK$2,050,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,407
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$125,689
−HK$3,331/mo
Today · 4.125%
HK$129,020
baseline
▲ 0.50% · 4.625%
HK$135,821
+HK$6,801/mo
Deposit HK$24.13M · loan HK$24.13M · min. income ≈ HK$258,040/mo (50% DSR)
Upfront cash ≈ HK$26.18M (deposit + AVD stamp duty HK$2,050,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,035
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$136,142
−HK$4,173/mo
Today · 4.125%
HK$140,315
baseline
▲ 0.50% · 4.625%
HK$148,853
+HK$8,538/mo
Deposit HK$19.30M · loan HK$28.95M · min. income ≈ HK$280,630/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,050,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,888
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$150,827
−HK$3,997/mo
Today · 4.125%
HK$154,824
baseline
▲ 0.50% · 4.625%
HK$162,985
+HK$8,161/mo
Deposit HK$19.30M · loan HK$28.95M · min. income ≈ HK$309,648/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,050,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,041
−HK$9,660/mo
▼ 0.25% · 3.875%
HK$158,833
−HK$4,868/mo
Today · 4.125%
HK$163,701
baseline
▲ 0.50% · 4.625%
HK$173,662
+HK$9,961/mo
Deposit HK$14.48M · loan HK$33.78M · min. income ≈ HK$327,402/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$2,050,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,369
−HK$9,259/mo
▼ 0.25% · 3.875%
HK$175,965
−HK$4,663/mo
Today · 4.125%
HK$180,628
baseline
▲ 0.50% · 4.625%
HK$190,149
+HK$9,521/mo
Deposit HK$14.48M · loan HK$33.78M · min. income ≈ HK$361,256/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$2,050,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,053
−HK$12,420/mo
▼ 0.25% · 3.875%
HK$204,213
−HK$6,260/mo
Today · 4.125%
HK$210,473
baseline
▲ 0.50% · 4.625%
HK$223,279
+HK$12,806/mo
Deposit HK$4.83M · loan HK$43.43M · min. income ≈ HK$420,946/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,050,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,332
−HK$11,904/mo
▼ 0.25% · 3.875%
HK$226,241
−HK$5,995/mo
Today · 4.125%
HK$232,236
baseline
▲ 0.50% · 4.625%
HK$244,477
+HK$12,241/mo
Deposit HK$4.83M · loan HK$43.43M · min. income ≈ HK$464,472/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,050,756 · Scale 2, in force from 26 Feb 2026)