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$109,884
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$113,302
−HK$3,473/mo
Today · 4.125%
HK$116,775
baseline
▲ 0.50% · 4.625%
HK$123,880
+HK$7,105/mo
Deposit HK$24.09M · loan HK$24.09M · min. income ≈ HK$233,550/mo (50% DSR)
Upfront cash ≈ HK$26.14M (deposit + AVD stamp duty HK$2,048,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,245
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$125,524
−HK$3,326/mo
Today · 4.125%
HK$128,850
baseline
▲ 0.50% · 4.625%
HK$135,641
+HK$6,791/mo
Deposit HK$24.09M · loan HK$24.09M · min. income ≈ HK$257,700/mo (50% DSR)
Upfront cash ≈ HK$26.14M (deposit + AVD stamp duty HK$2,048,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,861
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$135,963
−HK$4,167/mo
Today · 4.125%
HK$140,130
baseline
▲ 0.50% · 4.625%
HK$148,657
+HK$8,527/mo
Deposit HK$19.28M · loan HK$28.91M · min. income ≈ HK$280,260/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,048,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,694
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$150,628
−HK$3,992/mo
Today · 4.125%
HK$154,620
baseline
▲ 0.50% · 4.625%
HK$162,770
+HK$8,150/mo
Deposit HK$19.28M · loan HK$28.91M · min. income ≈ HK$309,240/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,048,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,838
−HK$9,647/mo
▼ 0.25% · 3.875%
HK$158,623
−HK$4,862/mo
Today · 4.125%
HK$163,485
baseline
▲ 0.50% · 4.625%
HK$173,433
+HK$9,948/mo
Deposit HK$14.46M · loan HK$33.73M · min. income ≈ HK$326,970/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$2,048,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,143
−HK$9,246/mo
▼ 0.25% · 3.875%
HK$175,733
−HK$4,656/mo
Today · 4.125%
HK$180,389
baseline
▲ 0.50% · 4.625%
HK$189,898
+HK$9,509/mo
Deposit HK$14.46M · loan HK$33.73M · min. income ≈ HK$360,778/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$2,048,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,792
−HK$12,403/mo
▼ 0.25% · 3.875%
HK$203,944
−HK$6,251/mo
Today · 4.125%
HK$210,195
baseline
▲ 0.50% · 4.625%
HK$222,985
+HK$12,790/mo
Deposit HK$4.82M · loan HK$43.37M · min. income ≈ HK$420,390/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,041
−HK$11,888/mo
▼ 0.25% · 3.875%
HK$225,943
−HK$5,986/mo
Today · 4.125%
HK$231,929
baseline
▲ 0.50% · 4.625%
HK$244,155
+HK$12,226/mo
Deposit HK$4.82M · loan HK$43.37M · min. income ≈ HK$463,858/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,051 · Scale 2, in force from 26 Feb 2026)