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$109,654
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,065
−HK$3,466/mo
Today · 4.125%
HK$116,531
baseline
▲ 0.50% · 4.625%
HK$123,621
+HK$7,090/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$233,062/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,989
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,261
−HK$3,319/mo
Today · 4.125%
HK$128,580
baseline
▲ 0.50% · 4.625%
HK$135,358
+HK$6,778/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$257,160/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,585
−HK$8,252/mo
▼ 0.25% · 3.875%
HK$135,678
−HK$4,159/mo
Today · 4.125%
HK$139,837
baseline
▲ 0.50% · 4.625%
HK$148,346
+HK$8,509/mo
Deposit HK$19.24M · loan HK$28.85M · min. income ≈ HK$279,674/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,387
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$150,313
−HK$3,983/mo
Today · 4.125%
HK$154,296
baseline
▲ 0.50% · 4.625%
HK$162,429
+HK$8,133/mo
Deposit HK$19.24M · loan HK$28.85M · min. income ≈ HK$308,592/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,516
−HK$9,627/mo
▼ 0.25% · 3.875%
HK$158,291
−HK$4,852/mo
Today · 4.125%
HK$163,143
baseline
▲ 0.50% · 4.625%
HK$173,070
+HK$9,927/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$326,286/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,785
−HK$9,227/mo
▼ 0.25% · 3.875%
HK$175,366
−HK$4,646/mo
Today · 4.125%
HK$180,012
baseline
▲ 0.50% · 4.625%
HK$189,501
+HK$9,489/mo
Deposit HK$14.43M · loan HK$33.66M · min. income ≈ HK$360,024/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,378
−HK$12,377/mo
▼ 0.25% · 3.875%
HK$203,517
−HK$6,238/mo
Today · 4.125%
HK$209,755
baseline
▲ 0.50% · 4.625%
HK$222,518
+HK$12,763/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$419,510/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,581
−HK$11,863/mo
▼ 0.25% · 3.875%
HK$225,470
−HK$5,974/mo
Today · 4.125%
HK$231,444
baseline
▲ 0.50% · 4.625%
HK$243,644
+HK$12,200/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$462,888/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,767 · Scale 2, in force from 26 Feb 2026)