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$110,086
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$113,510
−HK$3,479/mo
Today · 4.125%
HK$116,989
baseline
▲ 0.50% · 4.625%
HK$124,108
+HK$7,119/mo
Deposit HK$24.14M · loan HK$24.14M · min. income ≈ HK$233,978/mo (50% DSR)
Upfront cash ≈ HK$26.19M (deposit + AVD stamp duty HK$2,051,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,469
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$125,754
−HK$3,332/mo
Today · 4.125%
HK$129,086
baseline
▲ 0.50% · 4.625%
HK$135,890
+HK$6,804/mo
Deposit HK$24.14M · loan HK$24.14M · min. income ≈ HK$258,172/mo (50% DSR)
Upfront cash ≈ HK$26.19M (deposit + AVD stamp duty HK$2,051,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,103
−HK$8,284/mo
▼ 0.25% · 3.875%
HK$136,212
−HK$4,175/mo
Today · 4.125%
HK$140,387
baseline
▲ 0.50% · 4.625%
HK$148,929
+HK$8,542/mo
Deposit HK$19.31M · loan HK$28.97M · min. income ≈ HK$280,774/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,051,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,963
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$150,905
−HK$3,998/mo
Today · 4.125%
HK$154,903
baseline
▲ 0.50% · 4.625%
HK$163,068
+HK$8,165/mo
Deposit HK$19.31M · loan HK$28.97M · min. income ≈ HK$309,806/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,051,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,120
−HK$9,665/mo
▼ 0.25% · 3.875%
HK$158,914
−HK$4,871/mo
Today · 4.125%
HK$163,785
baseline
▲ 0.50% · 4.625%
HK$173,751
+HK$9,966/mo
Deposit HK$14.48M · loan HK$33.79M · min. income ≈ HK$327,570/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,051,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,457
−HK$9,263/mo
▼ 0.25% · 3.875%
HK$176,055
−HK$4,665/mo
Today · 4.125%
HK$180,720
baseline
▲ 0.50% · 4.625%
HK$190,246
+HK$9,526/mo
Deposit HK$14.48M · loan HK$33.79M · min. income ≈ HK$361,440/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,051,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,154
−HK$12,426/mo
▼ 0.25% · 3.875%
HK$204,318
−HK$6,262/mo
Today · 4.125%
HK$210,580
baseline
▲ 0.50% · 4.625%
HK$223,394
+HK$12,814/mo
Deposit HK$4.83M · loan HK$43.45M · min. income ≈ HK$421,160/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,051,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,445
−HK$11,910/mo
▼ 0.25% · 3.875%
HK$226,357
−HK$5,998/mo
Today · 4.125%
HK$232,355
baseline
▲ 0.50% · 4.625%
HK$244,602
+HK$12,247/mo
Deposit HK$4.83M · loan HK$43.45M · min. income ≈ HK$464,710/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,051,806 · Scale 2, in force from 26 Feb 2026)