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$109,808
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$113,224
−HK$3,470/mo
Today · 4.125%
HK$116,694
baseline
▲ 0.50% · 4.625%
HK$123,795
+HK$7,101/mo
Deposit HK$24.08M · loan HK$24.08M · min. income ≈ HK$233,388/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,161
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$125,437
−HK$3,324/mo
Today · 4.125%
HK$128,761
baseline
▲ 0.50% · 4.625%
HK$135,548
+HK$6,787/mo
Deposit HK$24.08M · loan HK$24.08M · min. income ≈ HK$257,522/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,770
−HK$8,263/mo
▼ 0.25% · 3.875%
HK$135,869
−HK$4,164/mo
Today · 4.125%
HK$140,033
baseline
▲ 0.50% · 4.625%
HK$148,554
+HK$8,521/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$280,066/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,046,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,593
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$150,524
−HK$3,989/mo
Today · 4.125%
HK$154,513
baseline
▲ 0.50% · 4.625%
HK$162,657
+HK$8,144/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$309,026/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,046,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,732
−HK$9,640/mo
▼ 0.25% · 3.875%
HK$158,513
−HK$4,859/mo
Today · 4.125%
HK$163,372
baseline
▲ 0.50% · 4.625%
HK$173,313
+HK$9,941/mo
Deposit HK$14.45M · loan HK$33.71M · min. income ≈ HK$326,744/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,025
−HK$9,240/mo
▼ 0.25% · 3.875%
HK$175,612
−HK$4,653/mo
Today · 4.125%
HK$180,265
baseline
▲ 0.50% · 4.625%
HK$189,767
+HK$9,502/mo
Deposit HK$14.45M · loan HK$33.71M · min. income ≈ HK$360,530/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,655
−HK$12,395/mo
▼ 0.25% · 3.875%
HK$203,803
−HK$6,247/mo
Today · 4.125%
HK$210,050
baseline
▲ 0.50% · 4.625%
HK$222,831
+HK$12,781/mo
Deposit HK$4.82M · loan HK$43.34M · min. income ≈ HK$420,100/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,889
−HK$11,880/mo
▼ 0.25% · 3.875%
HK$225,786
−HK$5,983/mo
Today · 4.125%
HK$231,769
baseline
▲ 0.50% · 4.625%
HK$243,986
+HK$12,217/mo
Deposit HK$4.82M · loan HK$43.34M · min. income ≈ HK$463,538/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,635 · Scale 2, in force from 26 Feb 2026)