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$109,665
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,076
−HK$3,466/mo
Today · 4.125%
HK$116,542
baseline
▲ 0.50% · 4.625%
HK$123,633
+HK$7,091/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$233,084/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,001
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,273
−HK$3,320/mo
Today · 4.125%
HK$128,593
baseline
▲ 0.50% · 4.625%
HK$135,371
+HK$6,778/mo
Deposit HK$24.05M · loan HK$24.05M · min. income ≈ HK$257,186/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$2,043,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,598
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$135,692
−HK$4,159/mo
Today · 4.125%
HK$139,851
baseline
▲ 0.50% · 4.625%
HK$148,360
+HK$8,509/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$279,702/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,402
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$150,328
−HK$3,983/mo
Today · 4.125%
HK$154,311
baseline
▲ 0.50% · 4.625%
HK$162,445
+HK$8,134/mo
Deposit HK$19.24M · loan HK$28.86M · min. income ≈ HK$308,622/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,531
−HK$9,628/mo
▼ 0.25% · 3.875%
HK$158,307
−HK$4,852/mo
Today · 4.125%
HK$163,159
baseline
▲ 0.50% · 4.625%
HK$173,087
+HK$9,928/mo
Deposit HK$14.43M · loan HK$33.67M · min. income ≈ HK$326,318/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,802
−HK$9,228/mo
▼ 0.25% · 3.875%
HK$175,383
−HK$4,647/mo
Today · 4.125%
HK$180,030
baseline
▲ 0.50% · 4.625%
HK$189,520
+HK$9,490/mo
Deposit HK$14.43M · loan HK$33.67M · min. income ≈ HK$360,060/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,397
−HK$12,379/mo
▼ 0.25% · 3.875%
HK$203,538
−HK$6,238/mo
Today · 4.125%
HK$209,776
baseline
▲ 0.50% · 4.625%
HK$222,540
+HK$12,764/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$419,552/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,603
−HK$11,864/mo
▼ 0.25% · 3.875%
HK$225,492
−HK$5,975/mo
Today · 4.125%
HK$231,467
baseline
▲ 0.50% · 4.625%
HK$243,668
+HK$12,201/mo
Deposit HK$4.81M · loan HK$43.28M · min. income ≈ HK$462,934/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,968 · Scale 2, in force from 26 Feb 2026)