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$109,783
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$113,198
−HK$3,469/mo
Today · 4.125%
HK$116,667
baseline
▲ 0.50% · 4.625%
HK$123,766
+HK$7,099/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$233,334/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,133
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$125,408
−HK$3,323/mo
Today · 4.125%
HK$128,731
baseline
▲ 0.50% · 4.625%
HK$135,517
+HK$6,786/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$257,462/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,740
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$135,838
−HK$4,163/mo
Today · 4.125%
HK$140,001
baseline
▲ 0.50% · 4.625%
HK$148,520
+HK$8,519/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$280,002/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,046,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,559
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$150,490
−HK$3,987/mo
Today · 4.125%
HK$154,477
baseline
▲ 0.50% · 4.625%
HK$162,620
+HK$8,143/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$308,954/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,046,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,696
−HK$9,638/mo
▼ 0.25% · 3.875%
HK$158,477
−HK$4,857/mo
Today · 4.125%
HK$163,334
baseline
▲ 0.50% · 4.625%
HK$173,273
+HK$9,939/mo
Deposit HK$14.44M · loan HK$33.70M · min. income ≈ HK$326,668/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,986
−HK$9,237/mo
▼ 0.25% · 3.875%
HK$175,571
−HK$4,652/mo
Today · 4.125%
HK$180,223
baseline
▲ 0.50% · 4.625%
HK$189,723
+HK$9,500/mo
Deposit HK$14.44M · loan HK$33.70M · min. income ≈ HK$360,446/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,610
−HK$12,391/mo
▼ 0.25% · 3.875%
HK$203,756
−HK$6,245/mo
Today · 4.125%
HK$210,001
baseline
▲ 0.50% · 4.625%
HK$222,780
+HK$12,779/mo
Deposit HK$4.81M · loan HK$43.33M · min. income ≈ HK$420,002/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,839
−HK$11,877/mo
▼ 0.25% · 3.875%
HK$225,735
−HK$5,981/mo
Today · 4.125%
HK$231,716
baseline
▲ 0.50% · 4.625%
HK$243,930
+HK$12,214/mo
Deposit HK$4.81M · loan HK$43.33M · min. income ≈ HK$463,432/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,166 · Scale 2, in force from 26 Feb 2026)