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$110,116
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$113,541
−HK$3,480/mo
Today · 4.125%
HK$117,021
baseline
▲ 0.50% · 4.625%
HK$124,141
+HK$7,120/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$234,042/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,052,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,503
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,788
−HK$3,333/mo
Today · 4.125%
HK$129,121
baseline
▲ 0.50% · 4.625%
HK$135,927
+HK$6,806/mo
Deposit HK$24.15M · loan HK$24.15M · min. income ≈ HK$258,242/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,052,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,139
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$136,249
−HK$4,176/mo
Today · 4.125%
HK$140,425
baseline
▲ 0.50% · 4.625%
HK$148,970
+HK$8,545/mo
Deposit HK$19.32M · loan HK$28.97M · min. income ≈ HK$280,850/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,052,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,003
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$150,946
−HK$3,999/mo
Today · 4.125%
HK$154,945
baseline
▲ 0.50% · 4.625%
HK$163,113
+HK$8,168/mo
Deposit HK$19.32M · loan HK$28.97M · min. income ≈ HK$309,890/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,052,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,162
−HK$9,667/mo
▼ 0.25% · 3.875%
HK$158,957
−HK$4,872/mo
Today · 4.125%
HK$163,829
baseline
▲ 0.50% · 4.625%
HK$173,798
+HK$9,969/mo
Deposit HK$14.49M · loan HK$33.80M · min. income ≈ HK$327,658/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,052,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,504
−HK$9,266/mo
▼ 0.25% · 3.875%
HK$176,103
−HK$4,667/mo
Today · 4.125%
HK$180,770
baseline
▲ 0.50% · 4.625%
HK$190,298
+HK$9,528/mo
Deposit HK$14.49M · loan HK$33.80M · min. income ≈ HK$361,540/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$2,052,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,208
−HK$12,430/mo
▼ 0.25% · 3.875%
HK$204,374
−HK$6,264/mo
Today · 4.125%
HK$210,638
baseline
▲ 0.50% · 4.625%
HK$223,455
+HK$12,817/mo
Deposit HK$4.83M · loan HK$43.46M · min. income ≈ HK$421,276/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,052,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,505
−HK$11,913/mo
▼ 0.25% · 3.875%
HK$226,419
−HK$5,999/mo
Today · 4.125%
HK$232,418
baseline
▲ 0.50% · 4.625%
HK$244,669
+HK$12,251/mo
Deposit HK$4.83M · loan HK$43.46M · min. income ≈ HK$464,836/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,052,366 · Scale 2, in force from 26 Feb 2026)