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$109,970
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,390
−HK$3,476/mo
Today · 4.125%
HK$116,866
baseline
▲ 0.50% · 4.625%
HK$123,977
+HK$7,111/mo
Deposit HK$24.11M · loan HK$24.11M · min. income ≈ HK$233,732/mo (50% DSR)
Upfront cash ≈ HK$26.16M (deposit + AVD stamp duty HK$2,049,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,340
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,621
−HK$3,329/mo
Today · 4.125%
HK$128,950
baseline
▲ 0.50% · 4.625%
HK$135,747
+HK$6,797/mo
Deposit HK$24.11M · loan HK$24.11M · min. income ≈ HK$257,900/mo (50% DSR)
Upfront cash ≈ HK$26.16M (deposit + AVD stamp duty HK$2,049,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,963
−HK$8,276/mo
▼ 0.25% · 3.875%
HK$136,068
−HK$4,171/mo
Today · 4.125%
HK$140,239
baseline
▲ 0.50% · 4.625%
HK$148,772
+HK$8,533/mo
Deposit HK$19.29M · loan HK$28.94M · min. income ≈ HK$280,478/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$2,049,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,808
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$150,745
−HK$3,995/mo
Today · 4.125%
HK$154,740
baseline
▲ 0.50% · 4.625%
HK$162,896
+HK$8,156/mo
Deposit HK$19.29M · loan HK$28.94M · min. income ≈ HK$309,480/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$2,049,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,957
−HK$9,655/mo
▼ 0.25% · 3.875%
HK$158,746
−HK$4,866/mo
Today · 4.125%
HK$163,612
baseline
▲ 0.50% · 4.625%
HK$173,567
+HK$9,955/mo
Deposit HK$14.47M · loan HK$33.76M · min. income ≈ HK$327,224/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,049,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,276
−HK$9,253/mo
▼ 0.25% · 3.875%
HK$175,869
−HK$4,660/mo
Today · 4.125%
HK$180,529
baseline
▲ 0.50% · 4.625%
HK$190,045
+HK$9,516/mo
Deposit HK$14.47M · loan HK$33.76M · min. income ≈ HK$361,058/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,049,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,945
−HK$12,413/mo
▼ 0.25% · 3.875%
HK$204,102
−HK$6,256/mo
Today · 4.125%
HK$210,358
baseline
▲ 0.50% · 4.625%
HK$223,158
+HK$12,800/mo
Deposit HK$4.82M · loan HK$43.40M · min. income ≈ HK$420,716/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,049,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,212
−HK$11,897/mo
▼ 0.25% · 3.875%
HK$226,118
−HK$5,991/mo
Today · 4.125%
HK$232,109
baseline
▲ 0.50% · 4.625%
HK$244,344
+HK$12,235/mo
Deposit HK$4.82M · loan HK$43.40M · min. income ≈ HK$464,218/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,049,640 · Scale 2, in force from 26 Feb 2026)