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$109,860
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$113,277
−HK$3,472/mo
Today · 4.125%
HK$116,749
baseline
▲ 0.50% · 4.625%
HK$123,853
+HK$7,104/mo
Deposit HK$24.09M · loan HK$24.09M · min. income ≈ HK$233,498/mo (50% DSR)
Upfront cash ≈ HK$26.14M (deposit + AVD stamp duty HK$2,047,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,218
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$125,496
−HK$3,325/mo
Today · 4.125%
HK$128,821
baseline
▲ 0.50% · 4.625%
HK$135,612
+HK$6,791/mo
Deposit HK$24.09M · loan HK$24.09M · min. income ≈ HK$257,642/mo (50% DSR)
Upfront cash ≈ HK$26.14M (deposit + AVD stamp duty HK$2,047,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,832
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,933
−HK$4,166/mo
Today · 4.125%
HK$140,099
baseline
▲ 0.50% · 4.625%
HK$148,624
+HK$8,525/mo
Deposit HK$19.27M · loan HK$28.91M · min. income ≈ HK$280,198/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,047,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,662
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$150,595
−HK$3,990/mo
Today · 4.125%
HK$154,585
baseline
▲ 0.50% · 4.625%
HK$162,734
+HK$8,149/mo
Deposit HK$19.27M · loan HK$28.91M · min. income ≈ HK$309,170/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,047,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,804
−HK$9,645/mo
▼ 0.25% · 3.875%
HK$158,588
−HK$4,861/mo
Today · 4.125%
HK$163,449
baseline
▲ 0.50% · 4.625%
HK$173,394
+HK$9,945/mo
Deposit HK$14.45M · loan HK$33.73M · min. income ≈ HK$326,898/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$2,047,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,105
−HK$9,245/mo
▼ 0.25% · 3.875%
HK$175,694
−HK$4,656/mo
Today · 4.125%
HK$180,350
baseline
▲ 0.50% · 4.625%
HK$189,856
+HK$9,506/mo
Deposit HK$14.45M · loan HK$33.73M · min. income ≈ HK$360,700/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$2,047,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,748
−HK$12,401/mo
▼ 0.25% · 3.875%
HK$203,899
−HK$6,250/mo
Today · 4.125%
HK$210,149
baseline
▲ 0.50% · 4.625%
HK$222,936
+HK$12,787/mo
Deposit HK$4.82M · loan HK$43.36M · min. income ≈ HK$420,298/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,047,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,993
−HK$11,885/mo
▼ 0.25% · 3.875%
HK$225,893
−HK$5,985/mo
Today · 4.125%
HK$231,878
baseline
▲ 0.50% · 4.625%
HK$244,101
+HK$12,223/mo
Deposit HK$4.82M · loan HK$43.36M · min. income ≈ HK$463,756/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,047,599 · Scale 2, in force from 26 Feb 2026)