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$109,908
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,326
−HK$3,474/mo
Today · 4.125%
HK$116,800
baseline
▲ 0.50% · 4.625%
HK$123,907
+HK$7,107/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$233,600/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,271
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,550
−HK$3,327/mo
Today · 4.125%
HK$128,877
baseline
▲ 0.50% · 4.625%
HK$135,670
+HK$6,793/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$257,754/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,889
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$135,992
−HK$4,168/mo
Today · 4.125%
HK$140,160
baseline
▲ 0.50% · 4.625%
HK$148,688
+HK$8,528/mo
Deposit HK$19.28M · loan HK$28.92M · min. income ≈ HK$280,320/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,725
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$150,660
−HK$3,992/mo
Today · 4.125%
HK$154,652
baseline
▲ 0.50% · 4.625%
HK$162,804
+HK$8,152/mo
Deposit HK$19.28M · loan HK$28.92M · min. income ≈ HK$309,304/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,871
−HK$9,649/mo
▼ 0.25% · 3.875%
HK$158,657
−HK$4,863/mo
Today · 4.125%
HK$163,520
baseline
▲ 0.50% · 4.625%
HK$173,469
+HK$9,949/mo
Deposit HK$14.46M · loan HK$33.74M · min. income ≈ HK$327,040/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,180
−HK$9,248/mo
▼ 0.25% · 3.875%
HK$175,771
−HK$4,657/mo
Today · 4.125%
HK$180,428
baseline
▲ 0.50% · 4.625%
HK$189,938
+HK$9,510/mo
Deposit HK$14.46M · loan HK$33.74M · min. income ≈ HK$360,856/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,834
−HK$12,406/mo
▼ 0.25% · 3.875%
HK$203,987
−HK$6,253/mo
Today · 4.125%
HK$210,240
baseline
▲ 0.50% · 4.625%
HK$223,032
+HK$12,792/mo
Deposit HK$4.82M · loan HK$43.38M · min. income ≈ HK$420,480/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,088
−HK$11,891/mo
▼ 0.25% · 3.875%
HK$225,991
−HK$5,988/mo
Today · 4.125%
HK$231,979
baseline
▲ 0.50% · 4.625%
HK$244,207
+HK$12,228/mo
Deposit HK$4.82M · loan HK$43.38M · min. income ≈ HK$463,958/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,487 · Scale 2, in force from 26 Feb 2026)