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$109,807
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$113,223
−HK$3,470/mo
Today · 4.125%
HK$116,693
baseline
▲ 0.50% · 4.625%
HK$123,793
+HK$7,100/mo
Deposit HK$24.08M · loan HK$24.08M · min. income ≈ HK$233,386/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,159
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$125,435
−HK$3,324/mo
Today · 4.125%
HK$128,759
baseline
▲ 0.50% · 4.625%
HK$135,546
+HK$6,787/mo
Deposit HK$24.08M · loan HK$24.08M · min. income ≈ HK$257,518/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,768
−HK$8,263/mo
▼ 0.25% · 3.875%
HK$135,867
−HK$4,164/mo
Today · 4.125%
HK$140,031
baseline
▲ 0.50% · 4.625%
HK$148,552
+HK$8,521/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$280,062/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,046,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,591
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$150,522
−HK$3,989/mo
Today · 4.125%
HK$154,511
baseline
▲ 0.50% · 4.625%
HK$162,655
+HK$8,144/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$309,022/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,046,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,730
−HK$9,640/mo
▼ 0.25% · 3.875%
HK$158,512
−HK$4,858/mo
Today · 4.125%
HK$163,370
baseline
▲ 0.50% · 4.625%
HK$173,311
+HK$9,941/mo
Deposit HK$14.45M · loan HK$33.71M · min. income ≈ HK$326,740/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,023
−HK$9,240/mo
▼ 0.25% · 3.875%
HK$175,610
−HK$4,653/mo
Today · 4.125%
HK$180,263
baseline
▲ 0.50% · 4.625%
HK$189,765
+HK$9,502/mo
Deposit HK$14.45M · loan HK$33.71M · min. income ≈ HK$360,526/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,653
−HK$12,394/mo
▼ 0.25% · 3.875%
HK$203,801
−HK$6,246/mo
Today · 4.125%
HK$210,047
baseline
▲ 0.50% · 4.625%
HK$222,828
+HK$12,781/mo
Deposit HK$4.82M · loan HK$43.34M · min. income ≈ HK$420,094/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,886
−HK$11,880/mo
▼ 0.25% · 3.875%
HK$225,784
−HK$5,982/mo
Today · 4.125%
HK$231,766
baseline
▲ 0.50% · 4.625%
HK$243,983
+HK$12,217/mo
Deposit HK$4.82M · loan HK$43.34M · min. income ≈ HK$463,532/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,610 · Scale 2, in force from 26 Feb 2026)