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$110,840
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$114,288
−HK$3,503/mo
Today · 4.125%
HK$117,791
baseline
▲ 0.50% · 4.625%
HK$124,958
+HK$7,167/mo
Deposit HK$24.30M · loan HK$24.30M · min. income ≈ HK$235,582/mo (50% DSR)
Upfront cash ≈ HK$26.37M (deposit + AVD stamp duty HK$2,065,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,309
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,616
−HK$3,355/mo
Today · 4.125%
HK$129,971
baseline
▲ 0.50% · 4.625%
HK$136,822
+HK$6,851/mo
Deposit HK$24.30M · loan HK$24.30M · min. income ≈ HK$259,942/mo (50% DSR)
Upfront cash ≈ HK$26.37M (deposit + AVD stamp duty HK$2,065,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,008
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$137,146
−HK$4,203/mo
Today · 4.125%
HK$141,349
baseline
▲ 0.50% · 4.625%
HK$149,950
+HK$8,601/mo
Deposit HK$19.44M · loan HK$29.17M · min. income ≈ HK$282,698/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$2,065,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,970
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$151,939
−HK$4,026/mo
Today · 4.125%
HK$155,965
baseline
▲ 0.50% · 4.625%
HK$164,186
+HK$8,221/mo
Deposit HK$19.44M · loan HK$29.17M · min. income ≈ HK$311,930/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$2,065,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,176
−HK$9,731/mo
▼ 0.25% · 3.875%
HK$160,003
−HK$4,904/mo
Today · 4.125%
HK$164,907
baseline
▲ 0.50% · 4.625%
HK$174,941
+HK$10,034/mo
Deposit HK$14.58M · loan HK$34.03M · min. income ≈ HK$329,814/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$2,065,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,632
−HK$9,327/mo
▼ 0.25% · 3.875%
HK$177,262
−HK$4,697/mo
Today · 4.125%
HK$181,959
baseline
▲ 0.50% · 4.625%
HK$191,550
+HK$9,591/mo
Deposit HK$14.58M · loan HK$34.03M · min. income ≈ HK$363,918/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$2,065,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,512
−HK$12,512/mo
▼ 0.25% · 3.875%
HK$205,718
−HK$6,306/mo
Today · 4.125%
HK$212,024
baseline
▲ 0.50% · 4.625%
HK$224,925
+HK$12,901/mo
Deposit HK$4.86M · loan HK$43.75M · min. income ≈ HK$424,048/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,065,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,956
−HK$11,991/mo
▼ 0.25% · 3.875%
HK$227,908
−HK$6,039/mo
Today · 4.125%
HK$233,947
baseline
▲ 0.50% · 4.625%
HK$246,279
+HK$12,332/mo
Deposit HK$4.86M · loan HK$43.75M · min. income ≈ HK$467,894/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,065,869 · Scale 2, in force from 26 Feb 2026)