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$109,876
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$113,294
−HK$3,472/mo
Today · 4.125%
HK$116,766
baseline
▲ 0.50% · 4.625%
HK$123,871
+HK$7,105/mo
Deposit HK$24.09M · loan HK$24.09M · min. income ≈ HK$233,532/mo (50% DSR)
Upfront cash ≈ HK$26.14M (deposit + AVD stamp duty HK$2,047,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,236
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$125,514
−HK$3,326/mo
Today · 4.125%
HK$128,840
baseline
▲ 0.50% · 4.625%
HK$135,631
+HK$6,791/mo
Deposit HK$24.09M · loan HK$24.09M · min. income ≈ HK$257,680/mo (50% DSR)
Upfront cash ≈ HK$26.14M (deposit + AVD stamp duty HK$2,047,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,851
−HK$8,268/mo
▼ 0.25% · 3.875%
HK$135,952
−HK$4,167/mo
Today · 4.125%
HK$140,119
baseline
▲ 0.50% · 4.625%
HK$148,645
+HK$8,526/mo
Deposit HK$19.27M · loan HK$28.91M · min. income ≈ HK$280,238/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,047,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,683
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$150,617
−HK$3,991/mo
Today · 4.125%
HK$154,608
baseline
▲ 0.50% · 4.625%
HK$162,757
+HK$8,149/mo
Deposit HK$19.27M · loan HK$28.91M · min. income ≈ HK$309,216/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,047,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,826
−HK$9,647/mo
▼ 0.25% · 3.875%
HK$158,611
−HK$4,862/mo
Today · 4.125%
HK$163,473
baseline
▲ 0.50% · 4.625%
HK$173,419
+HK$9,946/mo
Deposit HK$14.46M · loan HK$33.73M · min. income ≈ HK$326,946/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$2,047,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,130
−HK$9,246/mo
▼ 0.25% · 3.875%
HK$175,720
−HK$4,656/mo
Today · 4.125%
HK$180,376
baseline
▲ 0.50% · 4.625%
HK$189,884
+HK$9,508/mo
Deposit HK$14.46M · loan HK$33.73M · min. income ≈ HK$360,752/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$2,047,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,777
−HK$12,402/mo
▼ 0.25% · 3.875%
HK$203,929
−HK$6,250/mo
Today · 4.125%
HK$210,179
baseline
▲ 0.50% · 4.625%
HK$222,968
+HK$12,789/mo
Deposit HK$4.82M · loan HK$43.37M · min. income ≈ HK$420,358/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,047,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,024
−HK$11,888/mo
▼ 0.25% · 3.875%
HK$225,925
−HK$5,987/mo
Today · 4.125%
HK$231,912
baseline
▲ 0.50% · 4.625%
HK$244,136
+HK$12,224/mo
Deposit HK$4.82M · loan HK$43.37M · min. income ≈ HK$463,824/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,047,895 · Scale 2, in force from 26 Feb 2026)