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$109,737
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,151
−HK$3,468/mo
Today · 4.125%
HK$116,619
baseline
▲ 0.50% · 4.625%
HK$123,715
+HK$7,096/mo
Deposit HK$24.06M · loan HK$24.06M · min. income ≈ HK$233,238/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,045,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,082
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$125,356
−HK$3,322/mo
Today · 4.125%
HK$128,678
baseline
▲ 0.50% · 4.625%
HK$135,460
+HK$6,782/mo
Deposit HK$24.06M · loan HK$24.06M · min. income ≈ HK$257,356/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,045,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,685
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,781
−HK$4,162/mo
Today · 4.125%
HK$139,943
baseline
▲ 0.50% · 4.625%
HK$148,458
+HK$8,515/mo
Deposit HK$19.25M · loan HK$28.88M · min. income ≈ HK$279,886/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,045,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,498
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$150,427
−HK$3,986/mo
Today · 4.125%
HK$154,413
baseline
▲ 0.50% · 4.625%
HK$162,552
+HK$8,139/mo
Deposit HK$19.25M · loan HK$28.88M · min. income ≈ HK$308,826/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,045,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,632
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$158,411
−HK$4,856/mo
Today · 4.125%
HK$163,267
baseline
▲ 0.50% · 4.625%
HK$173,201
+HK$9,934/mo
Deposit HK$14.44M · loan HK$33.69M · min. income ≈ HK$326,534/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$2,045,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,915
−HK$9,234/mo
▼ 0.25% · 3.875%
HK$175,498
−HK$4,651/mo
Today · 4.125%
HK$180,149
baseline
▲ 0.50% · 4.625%
HK$189,644
+HK$9,495/mo
Deposit HK$14.44M · loan HK$33.69M · min. income ≈ HK$360,298/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$2,045,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,527
−HK$12,387/mo
▼ 0.25% · 3.875%
HK$203,672
−HK$6,242/mo
Today · 4.125%
HK$209,914
baseline
▲ 0.50% · 4.625%
HK$222,687
+HK$12,773/mo
Deposit HK$4.81M · loan HK$43.31M · min. income ≈ HK$419,828/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,045,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,747
−HK$11,873/mo
▼ 0.25% · 3.875%
HK$225,641
−HK$5,979/mo
Today · 4.125%
HK$231,620
baseline
▲ 0.50% · 4.625%
HK$243,829
+HK$12,209/mo
Deposit HK$4.81M · loan HK$43.31M · min. income ≈ HK$463,240/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,045,315 · Scale 2, in force from 26 Feb 2026)