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$109,656
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,067
−HK$3,465/mo
Today · 4.125%
HK$116,532
baseline
▲ 0.50% · 4.625%
HK$123,623
+HK$7,091/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$233,064/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,991
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,263
−HK$3,319/mo
Today · 4.125%
HK$128,582
baseline
▲ 0.50% · 4.625%
HK$135,359
+HK$6,777/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$257,164/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,587
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$135,680
−HK$4,158/mo
Today · 4.125%
HK$139,838
baseline
▲ 0.50% · 4.625%
HK$148,347
+HK$8,509/mo
Deposit HK$19.24M · loan HK$28.85M · min. income ≈ HK$279,676/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,389
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$150,315
−HK$3,983/mo
Today · 4.125%
HK$154,298
baseline
▲ 0.50% · 4.625%
HK$162,431
+HK$8,133/mo
Deposit HK$19.24M · loan HK$28.85M · min. income ≈ HK$308,596/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,518
−HK$9,627/mo
▼ 0.25% · 3.875%
HK$158,293
−HK$4,852/mo
Today · 4.125%
HK$163,145
baseline
▲ 0.50% · 4.625%
HK$173,072
+HK$9,927/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$326,290/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,787
−HK$9,227/mo
▼ 0.25% · 3.875%
HK$175,368
−HK$4,646/mo
Today · 4.125%
HK$180,014
baseline
▲ 0.50% · 4.625%
HK$189,503
+HK$9,489/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$360,028/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,380
−HK$12,378/mo
▼ 0.25% · 3.875%
HK$203,520
−HK$6,238/mo
Today · 4.125%
HK$209,758
baseline
▲ 0.50% · 4.625%
HK$222,521
+HK$12,763/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$419,516/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,584
−HK$11,863/mo
▼ 0.25% · 3.875%
HK$225,473
−HK$5,974/mo
Today · 4.125%
HK$231,447
baseline
▲ 0.50% · 4.625%
HK$243,647
+HK$12,200/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$462,894/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,791 · Scale 2, in force from 26 Feb 2026)