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$110,326
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,758
−HK$3,487/mo
Today · 4.125%
HK$117,245
baseline
▲ 0.50% · 4.625%
HK$124,379
+HK$7,134/mo
Deposit HK$24.19M · loan HK$24.19M · min. income ≈ HK$234,490/mo (50% DSR)
Upfront cash ≈ HK$26.25M (deposit + AVD stamp duty HK$2,056,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,737
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$126,029
−HK$3,339/mo
Today · 4.125%
HK$129,368
baseline
▲ 0.50% · 4.625%
HK$136,187
+HK$6,819/mo
Deposit HK$24.19M · loan HK$24.19M · min. income ≈ HK$258,736/mo (50% DSR)
Upfront cash ≈ HK$26.25M (deposit + AVD stamp duty HK$2,056,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,392
−HK$8,302/mo
▼ 0.25% · 3.875%
HK$136,510
−HK$4,184/mo
Today · 4.125%
HK$140,694
baseline
▲ 0.50% · 4.625%
HK$149,255
+HK$8,561/mo
Deposit HK$19.35M · loan HK$29.03M · min. income ≈ HK$281,388/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$2,056,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,284
−HK$7,958/mo
▼ 0.25% · 3.875%
HK$151,234
−HK$4,008/mo
Today · 4.125%
HK$155,242
baseline
▲ 0.50% · 4.625%
HK$163,425
+HK$8,183/mo
Deposit HK$19.35M · loan HK$29.03M · min. income ≈ HK$310,484/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$2,056,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,457
−HK$9,686/mo
▼ 0.25% · 3.875%
HK$159,261
−HK$4,882/mo
Today · 4.125%
HK$164,143
baseline
▲ 0.50% · 4.625%
HK$174,130
+HK$9,987/mo
Deposit HK$14.51M · loan HK$33.87M · min. income ≈ HK$328,286/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$2,056,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,832
−HK$9,283/mo
▼ 0.25% · 3.875%
HK$176,440
−HK$4,675/mo
Today · 4.125%
HK$181,115
baseline
▲ 0.50% · 4.625%
HK$190,662
+HK$9,547/mo
Deposit HK$14.51M · loan HK$33.87M · min. income ≈ HK$362,230/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$2,056,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,587
−HK$12,453/mo
▼ 0.25% · 3.875%
HK$204,764
−HK$6,276/mo
Today · 4.125%
HK$211,040
baseline
▲ 0.50% · 4.625%
HK$223,882
+HK$12,842/mo
Deposit HK$4.84M · loan HK$43.54M · min. income ≈ HK$422,080/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,056,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,926
−HK$11,936/mo
▼ 0.25% · 3.875%
HK$226,851
−HK$6,011/mo
Today · 4.125%
HK$232,862
baseline
▲ 0.50% · 4.625%
HK$245,137
+HK$12,275/mo
Deposit HK$4.84M · loan HK$43.54M · min. income ≈ HK$465,724/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,056,290 · Scale 2, in force from 26 Feb 2026)