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$109,865
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$113,282
−HK$3,472/mo
Today · 4.125%
HK$116,754
baseline
▲ 0.50% · 4.625%
HK$123,859
+HK$7,105/mo
Deposit HK$24.09M · loan HK$24.09M · min. income ≈ HK$233,508/mo (50% DSR)
Upfront cash ≈ HK$26.14M (deposit + AVD stamp duty HK$2,047,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,224
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$125,502
−HK$3,325/mo
Today · 4.125%
HK$128,827
baseline
▲ 0.50% · 4.625%
HK$135,618
+HK$6,791/mo
Deposit HK$24.09M · loan HK$24.09M · min. income ≈ HK$257,654/mo (50% DSR)
Upfront cash ≈ HK$26.14M (deposit + AVD stamp duty HK$2,047,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,838
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,939
−HK$4,166/mo
Today · 4.125%
HK$140,105
baseline
▲ 0.50% · 4.625%
HK$148,630
+HK$8,525/mo
Deposit HK$19.27M · loan HK$28.91M · min. income ≈ HK$280,210/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,047,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,668
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,602
−HK$3,990/mo
Today · 4.125%
HK$154,592
baseline
▲ 0.50% · 4.625%
HK$162,741
+HK$8,149/mo
Deposit HK$19.27M · loan HK$28.91M · min. income ≈ HK$309,184/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,047,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,811
−HK$9,645/mo
▼ 0.25% · 3.875%
HK$158,595
−HK$4,861/mo
Today · 4.125%
HK$163,456
baseline
▲ 0.50% · 4.625%
HK$173,402
+HK$9,946/mo
Deposit HK$14.45M · loan HK$33.73M · min. income ≈ HK$326,912/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$2,047,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,113
−HK$9,245/mo
▼ 0.25% · 3.875%
HK$175,702
−HK$4,656/mo
Today · 4.125%
HK$180,358
baseline
▲ 0.50% · 4.625%
HK$189,865
+HK$9,507/mo
Deposit HK$14.45M · loan HK$33.73M · min. income ≈ HK$360,716/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$2,047,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,757
−HK$12,401/mo
▼ 0.25% · 3.875%
HK$203,908
−HK$6,250/mo
Today · 4.125%
HK$210,158
baseline
▲ 0.50% · 4.625%
HK$222,946
+HK$12,788/mo
Deposit HK$4.82M · loan HK$43.36M · min. income ≈ HK$420,316/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,047,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,003
−HK$11,886/mo
▼ 0.25% · 3.875%
HK$225,903
−HK$5,986/mo
Today · 4.125%
HK$231,889
baseline
▲ 0.50% · 4.625%
HK$244,112
+HK$12,223/mo
Deposit HK$4.82M · loan HK$43.36M · min. income ≈ HK$463,778/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,047,692 · Scale 2, in force from 26 Feb 2026)