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$110,429
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$113,864
−HK$3,490/mo
Today · 4.125%
HK$117,354
baseline
▲ 0.50% · 4.625%
HK$124,494
+HK$7,140/mo
Deposit HK$24.21M · loan HK$24.21M · min. income ≈ HK$234,708/mo (50% DSR)
Upfront cash ≈ HK$26.27M (deposit + AVD stamp duty HK$2,058,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,851
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$126,146
−HK$3,342/mo
Today · 4.125%
HK$129,488
baseline
▲ 0.50% · 4.625%
HK$136,314
+HK$6,826/mo
Deposit HK$24.21M · loan HK$24.21M · min. income ≈ HK$258,976/mo (50% DSR)
Upfront cash ≈ HK$26.27M (deposit + AVD stamp duty HK$2,058,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,515
−HK$8,309/mo
▼ 0.25% · 3.875%
HK$136,637
−HK$4,187/mo
Today · 4.125%
HK$140,824
baseline
▲ 0.50% · 4.625%
HK$149,393
+HK$8,569/mo
Deposit HK$19.37M · loan HK$29.06M · min. income ≈ HK$281,648/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$2,058,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,421
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$151,375
−HK$4,011/mo
Today · 4.125%
HK$155,386
baseline
▲ 0.50% · 4.625%
HK$163,576
+HK$8,190/mo
Deposit HK$19.37M · loan HK$29.06M · min. income ≈ HK$310,772/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$2,058,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,600
−HK$9,695/mo
▼ 0.25% · 3.875%
HK$159,409
−HK$4,886/mo
Today · 4.125%
HK$164,295
baseline
▲ 0.50% · 4.625%
HK$174,292
+HK$9,997/mo
Deposit HK$14.53M · loan HK$33.90M · min. income ≈ HK$328,590/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$2,058,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,991
−HK$9,293/mo
▼ 0.25% · 3.875%
HK$176,604
−HK$4,680/mo
Today · 4.125%
HK$181,284
baseline
▲ 0.50% · 4.625%
HK$190,839
+HK$9,555/mo
Deposit HK$14.53M · loan HK$33.90M · min. income ≈ HK$362,568/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$2,058,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,772
−HK$12,465/mo
▼ 0.25% · 3.875%
HK$204,955
−HK$6,282/mo
Today · 4.125%
HK$211,237
baseline
▲ 0.50% · 4.625%
HK$224,090
+HK$12,853/mo
Deposit HK$4.84M · loan HK$43.59M · min. income ≈ HK$422,474/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,058,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,132
−HK$11,947/mo
▼ 0.25% · 3.875%
HK$227,062
−HK$6,017/mo
Today · 4.125%
HK$233,079
baseline
▲ 0.50% · 4.625%
HK$245,365
+HK$12,286/mo
Deposit HK$4.84M · loan HK$43.59M · min. income ≈ HK$466,158/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,058,201 · Scale 2, in force from 26 Feb 2026)