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$110,539
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$113,977
−HK$3,493/mo
Today · 4.125%
HK$117,470
baseline
▲ 0.50% · 4.625%
HK$124,618
+HK$7,148/mo
Deposit HK$24.24M · loan HK$24.24M · min. income ≈ HK$234,940/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$2,060,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,973
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,271
−HK$3,346/mo
Today · 4.125%
HK$129,617
baseline
▲ 0.50% · 4.625%
HK$136,449
+HK$6,832/mo
Deposit HK$24.24M · loan HK$24.24M · min. income ≈ HK$259,234/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$2,060,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,646
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$136,773
−HK$4,192/mo
Today · 4.125%
HK$140,965
baseline
▲ 0.50% · 4.625%
HK$149,542
+HK$8,577/mo
Deposit HK$19.39M · loan HK$29.09M · min. income ≈ HK$281,930/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,060,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,568
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$151,526
−HK$4,014/mo
Today · 4.125%
HK$155,540
baseline
▲ 0.50% · 4.625%
HK$163,739
+HK$8,199/mo
Deposit HK$19.39M · loan HK$29.09M · min. income ≈ HK$311,080/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,060,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,754
−HK$9,705/mo
▼ 0.25% · 3.875%
HK$159,568
−HK$4,891/mo
Today · 4.125%
HK$164,459
baseline
▲ 0.50% · 4.625%
HK$174,466
+HK$10,007/mo
Deposit HK$14.54M · loan HK$33.93M · min. income ≈ HK$328,918/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,060,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,162
−HK$9,302/mo
▼ 0.25% · 3.875%
HK$176,780
−HK$4,684/mo
Today · 4.125%
HK$181,464
baseline
▲ 0.50% · 4.625%
HK$191,029
+HK$9,565/mo
Deposit HK$14.54M · loan HK$33.93M · min. income ≈ HK$362,928/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,060,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,970
−HK$12,477/mo
▼ 0.25% · 3.875%
HK$205,159
−HK$6,288/mo
Today · 4.125%
HK$211,447
baseline
▲ 0.50% · 4.625%
HK$224,313
+HK$12,866/mo
Deposit HK$4.85M · loan HK$43.63M · min. income ≈ HK$422,894/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,060,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,352
−HK$11,959/mo
▼ 0.25% · 3.875%
HK$227,288
−HK$6,023/mo
Today · 4.125%
HK$233,311
baseline
▲ 0.50% · 4.625%
HK$245,609
+HK$12,298/mo
Deposit HK$4.85M · loan HK$43.63M · min. income ≈ HK$466,622/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,060,249 · Scale 2, in force from 26 Feb 2026)