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$110,016
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$113,438
−HK$3,477/mo
Today · 4.125%
HK$116,915
baseline
▲ 0.50% · 4.625%
HK$124,029
+HK$7,114/mo
Deposit HK$24.12M · loan HK$24.12M · min. income ≈ HK$233,830/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,050,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,392
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,674
−HK$3,330/mo
Today · 4.125%
HK$129,004
baseline
▲ 0.50% · 4.625%
HK$135,804
+HK$6,800/mo
Deposit HK$24.12M · loan HK$24.12M · min. income ≈ HK$258,008/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,050,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,019
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$136,126
−HK$4,172/mo
Today · 4.125%
HK$140,298
baseline
▲ 0.50% · 4.625%
HK$148,835
+HK$8,537/mo
Deposit HK$19.30M · loan HK$28.95M · min. income ≈ HK$280,596/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,050,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,870
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,809
−HK$3,996/mo
Today · 4.125%
HK$154,805
baseline
▲ 0.50% · 4.625%
HK$162,965
+HK$8,160/mo
Deposit HK$19.30M · loan HK$28.95M · min. income ≈ HK$309,610/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,050,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,022
−HK$9,659/mo
▼ 0.25% · 3.875%
HK$158,813
−HK$4,868/mo
Today · 4.125%
HK$163,681
baseline
▲ 0.50% · 4.625%
HK$173,641
+HK$9,960/mo
Deposit HK$14.47M · loan HK$33.77M · min. income ≈ HK$327,362/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,050,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,348
−HK$9,258/mo
▼ 0.25% · 3.875%
HK$175,944
−HK$4,662/mo
Today · 4.125%
HK$180,606
baseline
▲ 0.50% · 4.625%
HK$190,126
+HK$9,520/mo
Deposit HK$14.47M · loan HK$33.77M · min. income ≈ HK$361,212/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,050,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,029
−HK$12,418/mo
▼ 0.25% · 3.875%
HK$204,189
−HK$6,258/mo
Today · 4.125%
HK$210,447
baseline
▲ 0.50% · 4.625%
HK$223,252
+HK$12,805/mo
Deposit HK$4.82M · loan HK$43.42M · min. income ≈ HK$420,894/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,050,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,305
−HK$11,902/mo
▼ 0.25% · 3.875%
HK$226,213
−HK$5,994/mo
Today · 4.125%
HK$232,207
baseline
▲ 0.50% · 4.625%
HK$244,447
+HK$12,240/mo
Deposit HK$4.82M · loan HK$43.42M · min. income ≈ HK$464,414/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,050,506 · Scale 2, in force from 26 Feb 2026)