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$109,797
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$113,212
−HK$3,470/mo
Today · 4.125%
HK$116,682
baseline
▲ 0.50% · 4.625%
HK$123,782
+HK$7,100/mo
Deposit HK$24.08M · loan HK$24.08M · min. income ≈ HK$233,364/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,148
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$125,424
−HK$3,323/mo
Today · 4.125%
HK$128,747
baseline
▲ 0.50% · 4.625%
HK$135,533
+HK$6,786/mo
Deposit HK$24.08M · loan HK$24.08M · min. income ≈ HK$257,494/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,756
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$135,854
−HK$4,164/mo
Today · 4.125%
HK$140,018
baseline
▲ 0.50% · 4.625%
HK$148,538
+HK$8,520/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$280,036/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,046,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,577
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$150,508
−HK$3,988/mo
Today · 4.125%
HK$154,496
baseline
▲ 0.50% · 4.625%
HK$162,640
+HK$8,144/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$308,992/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,046,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,715
−HK$9,640/mo
▼ 0.25% · 3.875%
HK$158,497
−HK$4,858/mo
Today · 4.125%
HK$163,355
baseline
▲ 0.50% · 4.625%
HK$173,294
+HK$9,939/mo
Deposit HK$14.45M · loan HK$33.71M · min. income ≈ HK$326,710/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,007
−HK$9,239/mo
▼ 0.25% · 3.875%
HK$175,593
−HK$4,653/mo
Today · 4.125%
HK$180,246
baseline
▲ 0.50% · 4.625%
HK$189,747
+HK$9,501/mo
Deposit HK$14.45M · loan HK$33.71M · min. income ≈ HK$360,492/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,634
−HK$12,393/mo
▼ 0.25% · 3.875%
HK$203,781
−HK$6,246/mo
Today · 4.125%
HK$210,027
baseline
▲ 0.50% · 4.625%
HK$222,807
+HK$12,780/mo
Deposit HK$4.82M · loan HK$43.34M · min. income ≈ HK$420,054/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,866
−HK$11,878/mo
▼ 0.25% · 3.875%
HK$225,762
−HK$5,982/mo
Today · 4.125%
HK$231,744
baseline
▲ 0.50% · 4.625%
HK$243,960
+HK$12,216/mo
Deposit HK$4.82M · loan HK$43.34M · min. income ≈ HK$463,488/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,417 · Scale 2, in force from 26 Feb 2026)