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$110,264
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$113,694
−HK$3,485/mo
Today · 4.125%
HK$117,179
baseline
▲ 0.50% · 4.625%
HK$124,309
+HK$7,130/mo
Deposit HK$24.18M · loan HK$24.18M · min. income ≈ HK$234,358/mo (50% DSR)
Upfront cash ≈ HK$26.23M (deposit + AVD stamp duty HK$2,055,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,668
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$125,958
−HK$3,338/mo
Today · 4.125%
HK$129,296
baseline
▲ 0.50% · 4.625%
HK$136,111
+HK$6,815/mo
Deposit HK$24.18M · loan HK$24.18M · min. income ≈ HK$258,592/mo (50% DSR)
Upfront cash ≈ HK$26.23M (deposit + AVD stamp duty HK$2,055,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,317
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$136,433
−HK$4,182/mo
Today · 4.125%
HK$140,615
baseline
▲ 0.50% · 4.625%
HK$149,171
+HK$8,556/mo
Deposit HK$19.34M · loan HK$29.01M · min. income ≈ HK$281,230/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$2,055,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,202
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$151,150
−HK$4,005/mo
Today · 4.125%
HK$155,155
baseline
▲ 0.50% · 4.625%
HK$163,333
+HK$8,178/mo
Deposit HK$19.34M · loan HK$29.01M · min. income ≈ HK$310,310/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$2,055,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,370
−HK$9,681/mo
▼ 0.25% · 3.875%
HK$159,172
−HK$4,879/mo
Today · 4.125%
HK$164,051
baseline
▲ 0.50% · 4.625%
HK$174,033
+HK$9,982/mo
Deposit HK$14.51M · loan HK$33.85M · min. income ≈ HK$328,102/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$2,055,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,735
−HK$9,279/mo
▼ 0.25% · 3.875%
HK$176,341
−HK$4,673/mo
Today · 4.125%
HK$181,014
baseline
▲ 0.50% · 4.625%
HK$190,555
+HK$9,541/mo
Deposit HK$14.51M · loan HK$33.85M · min. income ≈ HK$362,028/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$2,055,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,476
−HK$12,446/mo
▼ 0.25% · 3.875%
HK$204,650
−HK$6,272/mo
Today · 4.125%
HK$210,922
baseline
▲ 0.50% · 4.625%
HK$223,756
+HK$12,834/mo
Deposit HK$4.84M · loan HK$43.52M · min. income ≈ HK$421,844/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,055,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,803
−HK$11,929/mo
▼ 0.25% · 3.875%
HK$226,724
−HK$6,008/mo
Today · 4.125%
HK$232,732
baseline
▲ 0.50% · 4.625%
HK$245,000
+HK$12,268/mo
Deposit HK$4.84M · loan HK$43.52M · min. income ≈ HK$465,464/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,055,138 · Scale 2, in force from 26 Feb 2026)