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$109,393
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$112,796
−HK$3,457/mo
Today · 4.125%
HK$116,253
baseline
▲ 0.50% · 4.625%
HK$123,327
+HK$7,074/mo
Deposit HK$23.99M · loan HK$23.99M · min. income ≈ HK$232,506/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$2,038,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,699
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,963
−HK$3,311/mo
Today · 4.125%
HK$128,274
baseline
▲ 0.50% · 4.625%
HK$135,036
+HK$6,762/mo
Deposit HK$23.99M · loan HK$23.99M · min. income ≈ HK$256,548/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$2,038,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,272
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$135,355
−HK$4,149/mo
Today · 4.125%
HK$139,504
baseline
▲ 0.50% · 4.625%
HK$147,992
+HK$8,488/mo
Deposit HK$19.19M · loan HK$28.78M · min. income ≈ HK$279,008/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$2,038,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,039
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$149,956
−HK$3,973/mo
Today · 4.125%
HK$153,929
baseline
▲ 0.50% · 4.625%
HK$162,043
+HK$8,114/mo
Deposit HK$19.19M · loan HK$28.78M · min. income ≈ HK$307,858/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$2,038,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,151
−HK$9,604/mo
▼ 0.25% · 3.875%
HK$157,915
−HK$4,840/mo
Today · 4.125%
HK$162,755
baseline
▲ 0.50% · 4.625%
HK$172,658
+HK$9,903/mo
Deposit HK$14.39M · loan HK$33.58M · min. income ≈ HK$325,510/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,379
−HK$9,205/mo
▼ 0.25% · 3.875%
HK$174,948
−HK$4,636/mo
Today · 4.125%
HK$179,584
baseline
▲ 0.50% · 4.625%
HK$189,050
+HK$9,466/mo
Deposit HK$14.39M · loan HK$33.58M · min. income ≈ HK$359,168/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,908
−HK$12,348/mo
▼ 0.25% · 3.875%
HK$203,033
−HK$6,223/mo
Today · 4.125%
HK$209,256
baseline
▲ 0.50% · 4.625%
HK$221,989
+HK$12,733/mo
Deposit HK$4.80M · loan HK$43.18M · min. income ≈ HK$418,512/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,038,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,058
−HK$11,835/mo
▼ 0.25% · 3.875%
HK$224,933
−HK$5,960/mo
Today · 4.125%
HK$230,893
baseline
▲ 0.50% · 4.625%
HK$243,064
+HK$12,171/mo
Deposit HK$4.80M · loan HK$43.18M · min. income ≈ HK$461,786/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,038,902 · Scale 2, in force from 26 Feb 2026)