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$110,372
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,805
−HK$3,488/mo
Today · 4.125%
HK$117,293
baseline
▲ 0.50% · 4.625%
HK$124,430
+HK$7,137/mo
Deposit HK$24.20M · loan HK$24.20M · min. income ≈ HK$234,586/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,057,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,787
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,080
−HK$3,341/mo
Today · 4.125%
HK$129,421
baseline
▲ 0.50% · 4.625%
HK$136,243
+HK$6,822/mo
Deposit HK$24.20M · loan HK$24.20M · min. income ≈ HK$258,842/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,057,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,446
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$136,566
−HK$4,185/mo
Today · 4.125%
HK$140,751
baseline
▲ 0.50% · 4.625%
HK$149,316
+HK$8,565/mo
Deposit HK$19.36M · loan HK$29.04M · min. income ≈ HK$281,502/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,057,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,345
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$151,297
−HK$4,008/mo
Today · 4.125%
HK$155,305
baseline
▲ 0.50% · 4.625%
HK$163,492
+HK$8,187/mo
Deposit HK$19.36M · loan HK$29.04M · min. income ≈ HK$310,610/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,057,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,520
−HK$9,690/mo
▼ 0.25% · 3.875%
HK$159,327
−HK$4,883/mo
Today · 4.125%
HK$164,210
baseline
▲ 0.50% · 4.625%
HK$174,202
+HK$9,992/mo
Deposit HK$14.52M · loan HK$33.88M · min. income ≈ HK$328,420/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$2,057,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,902
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$176,513
−HK$4,677/mo
Today · 4.125%
HK$181,190
baseline
▲ 0.50% · 4.625%
HK$190,740
+HK$9,550/mo
Deposit HK$14.52M · loan HK$33.88M · min. income ≈ HK$362,380/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$2,057,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,669
−HK$12,458/mo
▼ 0.25% · 3.875%
HK$204,849
−HK$6,278/mo
Today · 4.125%
HK$211,127
baseline
▲ 0.50% · 4.625%
HK$223,974
+HK$12,847/mo
Deposit HK$4.84M · loan HK$43.56M · min. income ≈ HK$422,254/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,057,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,017
−HK$11,941/mo
▼ 0.25% · 3.875%
HK$226,945
−HK$6,013/mo
Today · 4.125%
HK$232,958
baseline
▲ 0.50% · 4.625%
HK$245,238
+HK$12,280/mo
Deposit HK$4.84M · loan HK$43.56M · min. income ≈ HK$465,916/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,057,135 · Scale 2, in force from 26 Feb 2026)