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$110,093
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,517
−HK$3,480/mo
Today · 4.125%
HK$116,997
baseline
▲ 0.50% · 4.625%
HK$124,116
+HK$7,119/mo
Deposit HK$24.14M · loan HK$24.14M · min. income ≈ HK$233,994/mo (50% DSR)
Upfront cash ≈ HK$26.19M (deposit + AVD stamp duty HK$2,051,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,477
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$125,762
−HK$3,332/mo
Today · 4.125%
HK$129,094
baseline
▲ 0.50% · 4.625%
HK$135,899
+HK$6,805/mo
Deposit HK$24.14M · loan HK$24.14M · min. income ≈ HK$258,188/mo (50% DSR)
Upfront cash ≈ HK$26.19M (deposit + AVD stamp duty HK$2,051,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,111
−HK$8,285/mo
▼ 0.25% · 3.875%
HK$136,221
−HK$4,175/mo
Today · 4.125%
HK$140,396
baseline
▲ 0.50% · 4.625%
HK$148,939
+HK$8,543/mo
Deposit HK$19.31M · loan HK$28.97M · min. income ≈ HK$280,792/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,051,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,973
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$150,914
−HK$3,999/mo
Today · 4.125%
HK$154,913
baseline
▲ 0.50% · 4.625%
HK$163,079
+HK$8,166/mo
Deposit HK$19.31M · loan HK$28.97M · min. income ≈ HK$309,826/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,051,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,130
−HK$9,665/mo
▼ 0.25% · 3.875%
HK$158,924
−HK$4,871/mo
Today · 4.125%
HK$163,795
baseline
▲ 0.50% · 4.625%
HK$173,762
+HK$9,967/mo
Deposit HK$14.48M · loan HK$33.80M · min. income ≈ HK$327,590/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,051,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,468
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$176,067
−HK$4,665/mo
Today · 4.125%
HK$180,732
baseline
▲ 0.50% · 4.625%
HK$190,258
+HK$9,526/mo
Deposit HK$14.48M · loan HK$33.80M · min. income ≈ HK$361,464/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,051,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,167
−HK$12,427/mo
▼ 0.25% · 3.875%
HK$204,331
−HK$6,263/mo
Today · 4.125%
HK$210,594
baseline
▲ 0.50% · 4.625%
HK$223,408
+HK$12,814/mo
Deposit HK$4.83M · loan HK$43.45M · min. income ≈ HK$421,188/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,051,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,459
−HK$11,910/mo
▼ 0.25% · 3.875%
HK$226,371
−HK$5,998/mo
Today · 4.125%
HK$232,369
baseline
▲ 0.50% · 4.625%
HK$244,618
+HK$12,249/mo
Deposit HK$4.83M · loan HK$43.45M · min. income ≈ HK$464,738/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,051,937 · Scale 2, in force from 26 Feb 2026)