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$110,222
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$113,651
−HK$3,483/mo
Today · 4.125%
HK$117,134
baseline
▲ 0.50% · 4.625%
HK$124,262
+HK$7,128/mo
Deposit HK$24.17M · loan HK$24.17M · min. income ≈ HK$234,268/mo (50% DSR)
Upfront cash ≈ HK$26.22M (deposit + AVD stamp duty HK$2,054,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,621
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$125,910
−HK$3,336/mo
Today · 4.125%
HK$129,246
baseline
▲ 0.50% · 4.625%
HK$136,059
+HK$6,813/mo
Deposit HK$24.17M · loan HK$24.17M · min. income ≈ HK$258,492/mo (50% DSR)
Upfront cash ≈ HK$26.22M (deposit + AVD stamp duty HK$2,054,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,267
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$136,381
−HK$4,180/mo
Today · 4.125%
HK$140,561
baseline
▲ 0.50% · 4.625%
HK$149,114
+HK$8,553/mo
Deposit HK$19.34M · loan HK$29.00M · min. income ≈ HK$281,122/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,054,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,145
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$151,092
−HK$4,003/mo
Today · 4.125%
HK$155,095
baseline
▲ 0.50% · 4.625%
HK$163,270
+HK$8,175/mo
Deposit HK$19.34M · loan HK$29.00M · min. income ≈ HK$310,190/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,054,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,311
−HK$9,677/mo
▼ 0.25% · 3.875%
HK$159,111
−HK$4,877/mo
Today · 4.125%
HK$163,988
baseline
▲ 0.50% · 4.625%
HK$173,966
+HK$9,978/mo
Deposit HK$14.50M · loan HK$33.84M · min. income ≈ HK$327,976/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$2,054,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,670
−HK$9,274/mo
▼ 0.25% · 3.875%
HK$176,274
−HK$4,670/mo
Today · 4.125%
HK$180,944
baseline
▲ 0.50% · 4.625%
HK$190,482
+HK$9,538/mo
Deposit HK$14.50M · loan HK$33.84M · min. income ≈ HK$361,888/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$2,054,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,400
−HK$12,441/mo
▼ 0.25% · 3.875%
HK$204,571
−HK$6,270/mo
Today · 4.125%
HK$210,841
baseline
▲ 0.50% · 4.625%
HK$223,671
+HK$12,830/mo
Deposit HK$4.83M · loan HK$43.50M · min. income ≈ HK$421,682/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,054,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,718
−HK$11,925/mo
▼ 0.25% · 3.875%
HK$226,638
−HK$6,005/mo
Today · 4.125%
HK$232,643
baseline
▲ 0.50% · 4.625%
HK$244,906
+HK$12,263/mo
Deposit HK$4.83M · loan HK$43.50M · min. income ≈ HK$465,286/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,054,351 · Scale 2, in force from 26 Feb 2026)