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$110,394
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$113,828
−HK$3,489/mo
Today · 4.125%
HK$117,317
baseline
▲ 0.50% · 4.625%
HK$124,455
+HK$7,138/mo
Deposit HK$24.21M · loan HK$24.21M · min. income ≈ HK$234,634/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,813
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$126,106
−HK$3,342/mo
Today · 4.125%
HK$129,448
baseline
▲ 0.50% · 4.625%
HK$136,271
+HK$6,823/mo
Deposit HK$24.21M · loan HK$24.21M · min. income ≈ HK$258,896/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,473
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$136,594
−HK$4,186/mo
Today · 4.125%
HK$140,780
baseline
▲ 0.50% · 4.625%
HK$149,347
+HK$8,567/mo
Deposit HK$19.37M · loan HK$29.05M · min. income ≈ HK$281,560/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,375
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$151,328
−HK$4,009/mo
Today · 4.125%
HK$155,337
baseline
▲ 0.50% · 4.625%
HK$163,525
+HK$8,188/mo
Deposit HK$19.37M · loan HK$29.05M · min. income ≈ HK$310,674/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,552
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$159,359
−HK$4,885/mo
Today · 4.125%
HK$164,244
baseline
▲ 0.50% · 4.625%
HK$174,238
+HK$9,994/mo
Deposit HK$14.52M · loan HK$33.89M · min. income ≈ HK$328,488/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$2,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,938
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$176,549
−HK$4,678/mo
Today · 4.125%
HK$181,227
baseline
▲ 0.50% · 4.625%
HK$190,780
+HK$9,553/mo
Deposit HK$14.52M · loan HK$33.89M · min. income ≈ HK$362,454/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$2,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,710
−HK$12,461/mo
▼ 0.25% · 3.875%
HK$204,891
−HK$6,280/mo
Today · 4.125%
HK$211,171
baseline
▲ 0.50% · 4.625%
HK$224,020
+HK$12,849/mo
Deposit HK$4.84M · loan HK$43.57M · min. income ≈ HK$422,342/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,057,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,063
−HK$11,943/mo
▼ 0.25% · 3.875%
HK$226,991
−HK$6,015/mo
Today · 4.125%
HK$233,006
baseline
▲ 0.50% · 4.625%
HK$245,288
+HK$12,282/mo
Deposit HK$4.84M · loan HK$43.57M · min. income ≈ HK$466,012/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,057,558 · Scale 2, in force from 26 Feb 2026)