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$110,176
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$113,603
−HK$3,482/mo
Today · 4.125%
HK$117,085
baseline
▲ 0.50% · 4.625%
HK$124,210
+HK$7,125/mo
Deposit HK$24.16M · loan HK$24.16M · min. income ≈ HK$234,170/mo (50% DSR)
Upfront cash ≈ HK$26.21M (deposit + AVD stamp duty HK$2,053,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,570
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,857
−HK$3,335/mo
Today · 4.125%
HK$129,192
baseline
▲ 0.50% · 4.625%
HK$136,002
+HK$6,810/mo
Deposit HK$24.16M · loan HK$24.16M · min. income ≈ HK$258,384/mo (50% DSR)
Upfront cash ≈ HK$26.21M (deposit + AVD stamp duty HK$2,053,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,212
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$136,324
−HK$4,178/mo
Today · 4.125%
HK$140,502
baseline
▲ 0.50% · 4.625%
HK$149,052
+HK$8,550/mo
Deposit HK$19.33M · loan HK$28.99M · min. income ≈ HK$281,004/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,053,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,084
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$151,029
−HK$4,002/mo
Today · 4.125%
HK$155,031
baseline
▲ 0.50% · 4.625%
HK$163,202
+HK$8,171/mo
Deposit HK$19.33M · loan HK$28.99M · min. income ≈ HK$310,062/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,053,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,247
−HK$9,672/mo
▼ 0.25% · 3.875%
HK$159,045
−HK$4,874/mo
Today · 4.125%
HK$163,919
baseline
▲ 0.50% · 4.625%
HK$173,894
+HK$9,975/mo
Deposit HK$14.50M · loan HK$33.82M · min. income ≈ HK$327,838/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,053,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,598
−HK$9,271/mo
▼ 0.25% · 3.875%
HK$176,200
−HK$4,669/mo
Today · 4.125%
HK$180,869
baseline
▲ 0.50% · 4.625%
HK$190,403
+HK$9,534/mo
Deposit HK$14.50M · loan HK$33.82M · min. income ≈ HK$361,738/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,053,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,317
−HK$12,437/mo
▼ 0.25% · 3.875%
HK$204,486
−HK$6,268/mo
Today · 4.125%
HK$210,754
baseline
▲ 0.50% · 4.625%
HK$223,577
+HK$12,823/mo
Deposit HK$4.83M · loan HK$43.49M · min. income ≈ HK$421,508/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,053,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,626
−HK$11,920/mo
▼ 0.25% · 3.875%
HK$226,543
−HK$6,003/mo
Today · 4.125%
HK$232,546
baseline
▲ 0.50% · 4.625%
HK$244,804
+HK$12,258/mo
Deposit HK$4.83M · loan HK$43.49M · min. income ≈ HK$465,092/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,053,495 · Scale 2, in force from 26 Feb 2026)