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$110,699
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$114,142
−HK$3,498/mo
Today · 4.125%
HK$117,640
baseline
▲ 0.50% · 4.625%
HK$124,799
+HK$7,159/mo
Deposit HK$24.27M · loan HK$24.27M · min. income ≈ HK$235,280/mo (50% DSR)
Upfront cash ≈ HK$26.34M (deposit + AVD stamp duty HK$2,063,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,151
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$126,454
−HK$3,351/mo
Today · 4.125%
HK$129,805
baseline
▲ 0.50% · 4.625%
HK$136,647
+HK$6,842/mo
Deposit HK$24.27M · loan HK$24.27M · min. income ≈ HK$259,610/mo (50% DSR)
Upfront cash ≈ HK$26.34M (deposit + AVD stamp duty HK$2,063,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,838
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$136,970
−HK$4,198/mo
Today · 4.125%
HK$141,168
baseline
▲ 0.50% · 4.625%
HK$149,758
+HK$8,590/mo
Deposit HK$19.42M · loan HK$29.13M · min. income ≈ HK$282,336/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$2,063,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,781
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$151,745
−HK$4,020/mo
Today · 4.125%
HK$155,765
baseline
▲ 0.50% · 4.625%
HK$163,976
+HK$8,211/mo
Deposit HK$19.42M · loan HK$29.13M · min. income ≈ HK$311,530/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$2,063,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,978
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$159,799
−HK$4,898/mo
Today · 4.125%
HK$164,697
baseline
▲ 0.50% · 4.625%
HK$174,718
+HK$10,021/mo
Deposit HK$14.56M · loan HK$33.98M · min. income ≈ HK$329,394/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$2,063,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,411
−HK$9,315/mo
▼ 0.25% · 3.875%
HK$177,035
−HK$4,691/mo
Today · 4.125%
HK$181,726
baseline
▲ 0.50% · 4.625%
HK$191,305
+HK$9,579/mo
Deposit HK$14.56M · loan HK$33.98M · min. income ≈ HK$363,452/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$2,063,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,257
−HK$12,496/mo
▼ 0.25% · 3.875%
HK$205,456
−HK$6,297/mo
Today · 4.125%
HK$211,753
baseline
▲ 0.50% · 4.625%
HK$224,637
+HK$12,884/mo
Deposit HK$4.85M · loan HK$43.69M · min. income ≈ HK$423,506/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,063,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,672
−HK$11,976/mo
▼ 0.25% · 3.875%
HK$227,617
−HK$6,031/mo
Today · 4.125%
HK$233,648
baseline
▲ 0.50% · 4.625%
HK$245,964
+HK$12,316/mo
Deposit HK$4.85M · loan HK$43.69M · min. income ≈ HK$467,296/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,063,229 · Scale 2, in force from 26 Feb 2026)