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$109,766
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$113,180
−HK$3,469/mo
Today · 4.125%
HK$116,649
baseline
▲ 0.50% · 4.625%
HK$123,747
+HK$7,098/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$233,298/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,045,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,114
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$125,389
−HK$3,322/mo
Today · 4.125%
HK$128,711
baseline
▲ 0.50% · 4.625%
HK$135,496
+HK$6,785/mo
Deposit HK$24.07M · loan HK$24.07M · min. income ≈ HK$257,422/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,045,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,719
−HK$8,260/mo
▼ 0.25% · 3.875%
HK$135,817
−HK$4,162/mo
Today · 4.125%
HK$139,979
baseline
▲ 0.50% · 4.625%
HK$148,497
+HK$8,518/mo
Deposit HK$19.26M · loan HK$28.88M · min. income ≈ HK$279,958/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,045,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,536
−HK$7,917/mo
▼ 0.25% · 3.875%
HK$150,466
−HK$3,987/mo
Today · 4.125%
HK$154,453
baseline
▲ 0.50% · 4.625%
HK$162,595
+HK$8,142/mo
Deposit HK$19.26M · loan HK$28.88M · min. income ≈ HK$308,906/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,045,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,673
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$158,453
−HK$4,856/mo
Today · 4.125%
HK$163,309
baseline
▲ 0.50% · 4.625%
HK$173,246
+HK$9,937/mo
Deposit HK$14.44M · loan HK$33.70M · min. income ≈ HK$326,618/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,045,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,959
−HK$9,237/mo
▼ 0.25% · 3.875%
HK$175,544
−HK$4,652/mo
Today · 4.125%
HK$180,196
baseline
▲ 0.50% · 4.625%
HK$189,694
+HK$9,498/mo
Deposit HK$14.44M · loan HK$33.70M · min. income ≈ HK$360,392/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$2,045,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,579
−HK$12,390/mo
▼ 0.25% · 3.875%
HK$203,725
−HK$6,244/mo
Today · 4.125%
HK$209,969
baseline
▲ 0.50% · 4.625%
HK$222,745
+HK$12,776/mo
Deposit HK$4.81M · loan HK$43.32M · min. income ≈ HK$419,938/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,045,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,805
−HK$11,875/mo
▼ 0.25% · 3.875%
HK$225,700
−HK$5,980/mo
Today · 4.125%
HK$231,680
baseline
▲ 0.50% · 4.625%
HK$243,892
+HK$12,212/mo
Deposit HK$4.81M · loan HK$43.32M · min. income ≈ HK$463,360/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,045,849 · Scale 2, in force from 26 Feb 2026)