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$109,634
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,044
−HK$3,465/mo
Today · 4.125%
HK$116,509
baseline
▲ 0.50% · 4.625%
HK$123,598
+HK$7,089/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$233,018/mo (50% DSR)
Upfront cash ≈ HK$26.08M (deposit + AVD stamp duty HK$2,043,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,966
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,237
−HK$3,319/mo
Today · 4.125%
HK$128,556
baseline
▲ 0.50% · 4.625%
HK$135,332
+HK$6,776/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$257,112/mo (50% DSR)
Upfront cash ≈ HK$26.08M (deposit + AVD stamp duty HK$2,043,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,560
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,653
−HK$4,157/mo
Today · 4.125%
HK$139,810
baseline
▲ 0.50% · 4.625%
HK$148,318
+HK$8,508/mo
Deposit HK$19.23M · loan HK$28.85M · min. income ≈ HK$279,620/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,360
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$150,285
−HK$3,982/mo
Today · 4.125%
HK$154,267
baseline
▲ 0.50% · 4.625%
HK$162,399
+HK$8,132/mo
Deposit HK$19.23M · loan HK$28.85M · min. income ≈ HK$308,534/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,043,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,487
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$158,262
−HK$4,850/mo
Today · 4.125%
HK$163,112
baseline
▲ 0.50% · 4.625%
HK$173,037
+HK$9,925/mo
Deposit HK$14.42M · loan HK$33.66M · min. income ≈ HK$326,224/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,753
−HK$9,225/mo
▼ 0.25% · 3.875%
HK$175,332
−HK$4,646/mo
Today · 4.125%
HK$179,978
baseline
▲ 0.50% · 4.625%
HK$189,465
+HK$9,487/mo
Deposit HK$14.42M · loan HK$33.66M · min. income ≈ HK$359,956/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,341
−HK$12,375/mo
▼ 0.25% · 3.875%
HK$203,479
−HK$6,237/mo
Today · 4.125%
HK$209,716
baseline
▲ 0.50% · 4.625%
HK$222,476
+HK$12,760/mo
Deposit HK$4.81M · loan HK$43.27M · min. income ≈ HK$419,432/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,540
−HK$11,861/mo
▼ 0.25% · 3.875%
HK$225,427
−HK$5,974/mo
Today · 4.125%
HK$231,401
baseline
▲ 0.50% · 4.625%
HK$243,598
+HK$12,197/mo
Deposit HK$4.81M · loan HK$43.27M · min. income ≈ HK$462,802/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,382 · Scale 2, in force from 26 Feb 2026)