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$110,250
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,679
−HK$3,485/mo
Today · 4.125%
HK$117,164
baseline
▲ 0.50% · 4.625%
HK$124,293
+HK$7,129/mo
Deposit HK$24.17M · loan HK$24.17M · min. income ≈ HK$234,328/mo (50% DSR)
Upfront cash ≈ HK$26.23M (deposit + AVD stamp duty HK$2,054,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,652
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$125,941
−HK$3,337/mo
Today · 4.125%
HK$129,278
baseline
▲ 0.50% · 4.625%
HK$136,093
+HK$6,815/mo
Deposit HK$24.17M · loan HK$24.17M · min. income ≈ HK$258,556/mo (50% DSR)
Upfront cash ≈ HK$26.23M (deposit + AVD stamp duty HK$2,054,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,300
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,415
−HK$4,181/mo
Today · 4.125%
HK$140,596
baseline
▲ 0.50% · 4.625%
HK$149,151
+HK$8,555/mo
Deposit HK$19.34M · loan HK$29.01M · min. income ≈ HK$281,192/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,054,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,182
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$151,130
−HK$4,004/mo
Today · 4.125%
HK$155,134
baseline
▲ 0.50% · 4.625%
HK$163,311
+HK$8,177/mo
Deposit HK$19.34M · loan HK$29.01M · min. income ≈ HK$310,268/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,054,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,350
−HK$9,679/mo
▼ 0.25% · 3.875%
HK$159,151
−HK$4,878/mo
Today · 4.125%
HK$164,029
baseline
▲ 0.50% · 4.625%
HK$174,010
+HK$9,981/mo
Deposit HK$14.50M · loan HK$33.84M · min. income ≈ HK$328,058/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$2,054,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,713
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$176,318
−HK$4,672/mo
Today · 4.125%
HK$180,990
baseline
▲ 0.50% · 4.625%
HK$190,530
+HK$9,540/mo
Deposit HK$14.50M · loan HK$33.84M · min. income ≈ HK$361,980/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$2,054,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,450
−HK$12,444/mo
▼ 0.25% · 3.875%
HK$204,623
−HK$6,271/mo
Today · 4.125%
HK$210,894
baseline
▲ 0.50% · 4.625%
HK$223,727
+HK$12,833/mo
Deposit HK$4.83M · loan HK$43.51M · min. income ≈ HK$421,788/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,054,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,773
−HK$11,928/mo
▼ 0.25% · 3.875%
HK$226,694
−HK$6,007/mo
Today · 4.125%
HK$232,701
baseline
▲ 0.50% · 4.625%
HK$244,967
+HK$12,266/mo
Deposit HK$4.83M · loan HK$43.51M · min. income ≈ HK$465,402/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,054,866 · Scale 2, in force from 26 Feb 2026)