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$109,386
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,788
−HK$3,457/mo
Today · 4.125%
HK$116,245
baseline
▲ 0.50% · 4.625%
HK$123,318
+HK$7,073/mo
Deposit HK$23.99M · loan HK$23.99M · min. income ≈ HK$232,490/mo (50% DSR)
Upfront cash ≈ HK$26.02M (deposit + AVD stamp duty HK$2,038,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,690
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,954
−HK$3,311/mo
Today · 4.125%
HK$128,265
baseline
▲ 0.50% · 4.625%
HK$135,026
+HK$6,761/mo
Deposit HK$23.99M · loan HK$23.99M · min. income ≈ HK$256,530/mo (50% DSR)
Upfront cash ≈ HK$26.02M (deposit + AVD stamp duty HK$2,038,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,263
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$135,346
−HK$4,148/mo
Today · 4.125%
HK$139,494
baseline
▲ 0.50% · 4.625%
HK$147,982
+HK$8,488/mo
Deposit HK$19.19M · loan HK$28.78M · min. income ≈ HK$278,988/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$2,038,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,028
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$149,945
−HK$3,973/mo
Today · 4.125%
HK$153,918
baseline
▲ 0.50% · 4.625%
HK$162,031
+HK$8,113/mo
Deposit HK$19.19M · loan HK$28.78M · min. income ≈ HK$307,836/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$2,038,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,140
−HK$9,603/mo
▼ 0.25% · 3.875%
HK$157,903
−HK$4,840/mo
Today · 4.125%
HK$162,743
baseline
▲ 0.50% · 4.625%
HK$172,645
+HK$9,902/mo
Deposit HK$14.39M · loan HK$33.58M · min. income ≈ HK$325,486/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,366
−HK$9,205/mo
▼ 0.25% · 3.875%
HK$174,936
−HK$4,635/mo
Today · 4.125%
HK$179,571
baseline
▲ 0.50% · 4.625%
HK$189,036
+HK$9,465/mo
Deposit HK$14.39M · loan HK$33.58M · min. income ≈ HK$359,142/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,894
−HK$12,347/mo
▼ 0.25% · 3.875%
HK$203,018
−HK$6,223/mo
Today · 4.125%
HK$209,241
baseline
▲ 0.50% · 4.625%
HK$221,973
+HK$12,732/mo
Deposit HK$4.80M · loan HK$43.17M · min. income ≈ HK$418,482/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,038,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,043
−HK$11,834/mo
▼ 0.25% · 3.875%
HK$224,917
−HK$5,960/mo
Today · 4.125%
HK$230,877
baseline
▲ 0.50% · 4.625%
HK$243,047
+HK$12,170/mo
Deposit HK$4.80M · loan HK$43.17M · min. income ≈ HK$461,754/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,038,756 · Scale 2, in force from 26 Feb 2026)