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$110,376
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$113,810
−HK$3,488/mo
Today · 4.125%
HK$117,298
baseline
▲ 0.50% · 4.625%
HK$124,435
+HK$7,137/mo
Deposit HK$24.20M · loan HK$24.20M · min. income ≈ HK$234,596/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,057,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,793
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,086
−HK$3,341/mo
Today · 4.125%
HK$129,427
baseline
▲ 0.50% · 4.625%
HK$136,249
+HK$6,822/mo
Deposit HK$24.20M · loan HK$24.20M · min. income ≈ HK$258,854/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,057,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,452
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$136,572
−HK$4,186/mo
Today · 4.125%
HK$140,758
baseline
▲ 0.50% · 4.625%
HK$149,322
+HK$8,564/mo
Deposit HK$19.36M · loan HK$29.04M · min. income ≈ HK$281,516/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,057,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,351
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$151,303
−HK$4,009/mo
Today · 4.125%
HK$155,312
baseline
▲ 0.50% · 4.625%
HK$163,499
+HK$8,187/mo
Deposit HK$19.36M · loan HK$29.04M · min. income ≈ HK$310,624/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,057,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,527
−HK$9,690/mo
▼ 0.25% · 3.875%
HK$159,334
−HK$4,883/mo
Today · 4.125%
HK$164,217
baseline
▲ 0.50% · 4.625%
HK$174,209
+HK$9,992/mo
Deposit HK$14.52M · loan HK$33.88M · min. income ≈ HK$328,434/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$2,057,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,910
−HK$9,287/mo
▼ 0.25% · 3.875%
HK$176,520
−HK$4,677/mo
Today · 4.125%
HK$181,197
baseline
▲ 0.50% · 4.625%
HK$190,749
+HK$9,552/mo
Deposit HK$14.52M · loan HK$33.88M · min. income ≈ HK$362,394/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$2,057,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,678
−HK$12,458/mo
▼ 0.25% · 3.875%
HK$204,858
−HK$6,278/mo
Today · 4.125%
HK$211,136
baseline
▲ 0.50% · 4.625%
HK$223,984
+HK$12,848/mo
Deposit HK$4.84M · loan HK$43.56M · min. income ≈ HK$422,272/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,057,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,027
−HK$11,941/mo
▼ 0.25% · 3.875%
HK$226,955
−HK$6,013/mo
Today · 4.125%
HK$232,968
baseline
▲ 0.50% · 4.625%
HK$245,248
+HK$12,280/mo
Deposit HK$4.84M · loan HK$43.56M · min. income ≈ HK$465,936/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,057,224 · Scale 2, in force from 26 Feb 2026)