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$109,789
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$113,204
−HK$3,470/mo
Today · 4.125%
HK$116,674
baseline
▲ 0.50% · 4.625%
HK$123,773
+HK$7,099/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$233,348/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,139
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$125,415
−HK$3,323/mo
Today · 4.125%
HK$128,738
baseline
▲ 0.50% · 4.625%
HK$135,524
+HK$6,786/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$257,476/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$2,046,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,747
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$135,845
−HK$4,163/mo
Today · 4.125%
HK$140,008
baseline
▲ 0.50% · 4.625%
HK$148,527
+HK$8,519/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$280,016/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,046,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,567
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$150,498
−HK$3,987/mo
Today · 4.125%
HK$154,485
baseline
▲ 0.50% · 4.625%
HK$162,628
+HK$8,143/mo
Deposit HK$19.26M · loan HK$28.89M · min. income ≈ HK$308,970/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,046,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,704
−HK$9,639/mo
▼ 0.25% · 3.875%
HK$158,485
−HK$4,858/mo
Today · 4.125%
HK$163,343
baseline
▲ 0.50% · 4.625%
HK$173,282
+HK$9,939/mo
Deposit HK$14.44M · loan HK$33.70M · min. income ≈ HK$326,686/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,995
−HK$9,238/mo
▼ 0.25% · 3.875%
HK$175,580
−HK$4,653/mo
Today · 4.125%
HK$180,233
baseline
▲ 0.50% · 4.625%
HK$189,733
+HK$9,500/mo
Deposit HK$14.44M · loan HK$33.70M · min. income ≈ HK$360,466/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,046,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,620
−HK$12,392/mo
▼ 0.25% · 3.875%
HK$203,767
−HK$6,245/mo
Today · 4.125%
HK$210,012
baseline
▲ 0.50% · 4.625%
HK$222,791
+HK$12,779/mo
Deposit HK$4.81M · loan HK$43.33M · min. income ≈ HK$420,024/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,850
−HK$11,878/mo
▼ 0.25% · 3.875%
HK$225,746
−HK$5,982/mo
Today · 4.125%
HK$231,728
baseline
▲ 0.50% · 4.625%
HK$243,943
+HK$12,215/mo
Deposit HK$4.81M · loan HK$43.33M · min. income ≈ HK$463,456/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,046,272 · Scale 2, in force from 26 Feb 2026)