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$110,308
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$113,739
−HK$3,486/mo
Today · 4.125%
HK$117,225
baseline
▲ 0.50% · 4.625%
HK$124,358
+HK$7,133/mo
Deposit HK$24.19M · loan HK$24.19M · min. income ≈ HK$234,450/mo (50% DSR)
Upfront cash ≈ HK$26.24M (deposit + AVD stamp duty HK$2,055,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,717
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$126,008
−HK$3,339/mo
Today · 4.125%
HK$129,347
baseline
▲ 0.50% · 4.625%
HK$136,165
+HK$6,818/mo
Deposit HK$24.19M · loan HK$24.19M · min. income ≈ HK$258,694/mo (50% DSR)
Upfront cash ≈ HK$26.24M (deposit + AVD stamp duty HK$2,055,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,370
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$136,487
−HK$4,184/mo
Today · 4.125%
HK$140,671
baseline
▲ 0.50% · 4.625%
HK$149,230
+HK$8,559/mo
Deposit HK$19.35M · loan HK$29.03M · min. income ≈ HK$281,342/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$2,055,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,260
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$151,209
−HK$4,007/mo
Today · 4.125%
HK$155,216
baseline
▲ 0.50% · 4.625%
HK$163,398
+HK$8,182/mo
Deposit HK$19.35M · loan HK$29.03M · min. income ≈ HK$310,432/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$2,055,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,431
−HK$9,685/mo
▼ 0.25% · 3.875%
HK$159,235
−HK$4,881/mo
Today · 4.125%
HK$164,116
baseline
▲ 0.50% · 4.625%
HK$174,102
+HK$9,986/mo
Deposit HK$14.51M · loan HK$33.86M · min. income ≈ HK$328,232/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$2,055,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,803
−HK$9,282/mo
▼ 0.25% · 3.875%
HK$176,411
−HK$4,674/mo
Today · 4.125%
HK$181,085
baseline
▲ 0.50% · 4.625%
HK$190,631
+HK$9,546/mo
Deposit HK$14.51M · loan HK$33.86M · min. income ≈ HK$362,170/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$2,055,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,555
−HK$12,451/mo
▼ 0.25% · 3.875%
HK$204,731
−HK$6,275/mo
Today · 4.125%
HK$211,006
baseline
▲ 0.50% · 4.625%
HK$223,845
+HK$12,839/mo
Deposit HK$4.84M · loan HK$43.54M · min. income ≈ HK$422,012/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,055,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,890
−HK$11,934/mo
▼ 0.25% · 3.875%
HK$226,814
−HK$6,010/mo
Today · 4.125%
HK$232,824
baseline
▲ 0.50% · 4.625%
HK$245,097
+HK$12,273/mo
Deposit HK$4.84M · loan HK$43.54M · min. income ≈ HK$465,648/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,055,952 · Scale 2, in force from 26 Feb 2026)