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$110,187
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,615
−HK$3,482/mo
Today · 4.125%
HK$117,097
baseline
▲ 0.50% · 4.625%
HK$124,222
+HK$7,125/mo
Deposit HK$24.16M · loan HK$24.16M · min. income ≈ HK$234,194/mo (50% DSR)
Upfront cash ≈ HK$26.21M (deposit + AVD stamp duty HK$2,053,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,582
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,870
−HK$3,335/mo
Today · 4.125%
HK$129,205
baseline
▲ 0.50% · 4.625%
HK$136,016
+HK$6,811/mo
Deposit HK$24.16M · loan HK$24.16M · min. income ≈ HK$258,410/mo (50% DSR)
Upfront cash ≈ HK$26.21M (deposit + AVD stamp duty HK$2,053,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,225
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$136,338
−HK$4,179/mo
Today · 4.125%
HK$140,517
baseline
▲ 0.50% · 4.625%
HK$149,067
+HK$8,550/mo
Deposit HK$19.33M · loan HK$28.99M · min. income ≈ HK$281,034/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,053,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,099
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$151,044
−HK$4,002/mo
Today · 4.125%
HK$155,046
baseline
▲ 0.50% · 4.625%
HK$163,219
+HK$8,173/mo
Deposit HK$19.33M · loan HK$28.99M · min. income ≈ HK$310,092/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,053,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,262
−HK$9,674/mo
▼ 0.25% · 3.875%
HK$159,061
−HK$4,875/mo
Today · 4.125%
HK$163,936
baseline
▲ 0.50% · 4.625%
HK$173,911
+HK$9,975/mo
Deposit HK$14.50M · loan HK$33.83M · min. income ≈ HK$327,872/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,053,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,615
−HK$9,272/mo
▼ 0.25% · 3.875%
HK$176,218
−HK$4,669/mo
Today · 4.125%
HK$180,887
baseline
▲ 0.50% · 4.625%
HK$190,422
+HK$9,535/mo
Deposit HK$14.50M · loan HK$33.83M · min. income ≈ HK$361,774/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,053,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,337
−HK$12,438/mo
▼ 0.25% · 3.875%
HK$204,507
−HK$6,268/mo
Today · 4.125%
HK$210,775
baseline
▲ 0.50% · 4.625%
HK$223,600
+HK$12,825/mo
Deposit HK$4.83M · loan HK$43.49M · min. income ≈ HK$421,550/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,053,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,648
−HK$11,921/mo
▼ 0.25% · 3.875%
HK$226,566
−HK$6,003/mo
Today · 4.125%
HK$232,569
baseline
▲ 0.50% · 4.625%
HK$244,828
+HK$12,259/mo
Deposit HK$4.83M · loan HK$43.49M · min. income ≈ HK$465,138/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,053,702 · Scale 2, in force from 26 Feb 2026)