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$109,628
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$113,038
−HK$3,464/mo
Today · 4.125%
HK$116,502
baseline
▲ 0.50% · 4.625%
HK$123,591
+HK$7,089/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$233,004/mo (50% DSR)
Upfront cash ≈ HK$26.08M (deposit + AVD stamp duty HK$2,043,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,960
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$125,231
−HK$3,318/mo
Today · 4.125%
HK$128,549
baseline
▲ 0.50% · 4.625%
HK$135,325
+HK$6,776/mo
Deposit HK$24.04M · loan HK$24.04M · min. income ≈ HK$257,098/mo (50% DSR)
Upfront cash ≈ HK$26.08M (deposit + AVD stamp duty HK$2,043,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,553
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,645
−HK$4,158/mo
Today · 4.125%
HK$139,803
baseline
▲ 0.50% · 4.625%
HK$148,310
+HK$8,507/mo
Deposit HK$19.23M · loan HK$28.85M · min. income ≈ HK$279,606/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,043,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,352
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$150,277
−HK$3,982/mo
Today · 4.125%
HK$154,259
baseline
▲ 0.50% · 4.625%
HK$162,390
+HK$8,131/mo
Deposit HK$19.23M · loan HK$28.85M · min. income ≈ HK$308,518/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,043,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,479
−HK$9,624/mo
▼ 0.25% · 3.875%
HK$158,253
−HK$4,850/mo
Today · 4.125%
HK$163,103
baseline
▲ 0.50% · 4.625%
HK$173,028
+HK$9,925/mo
Deposit HK$14.42M · loan HK$33.65M · min. income ≈ HK$326,206/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,744
−HK$9,225/mo
▼ 0.25% · 3.875%
HK$175,323
−HK$4,646/mo
Today · 4.125%
HK$179,969
baseline
▲ 0.50% · 4.625%
HK$189,455
+HK$9,486/mo
Deposit HK$14.42M · loan HK$33.65M · min. income ≈ HK$359,938/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$2,043,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,330
−HK$12,374/mo
▼ 0.25% · 3.875%
HK$203,468
−HK$6,236/mo
Today · 4.125%
HK$209,704
baseline
▲ 0.50% · 4.625%
HK$222,464
+HK$12,760/mo
Deposit HK$4.81M · loan HK$43.27M · min. income ≈ HK$419,408/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,528
−HK$11,860/mo
▼ 0.25% · 3.875%
HK$225,415
−HK$5,973/mo
Today · 4.125%
HK$231,388
baseline
▲ 0.50% · 4.625%
HK$243,585
+HK$12,197/mo
Deposit HK$4.81M · loan HK$43.27M · min. income ≈ HK$462,776/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,043,272 · Scale 2, in force from 26 Feb 2026)