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$109,429
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$112,832
−HK$3,459/mo
Today · 4.125%
HK$116,291
baseline
▲ 0.50% · 4.625%
HK$123,367
+HK$7,076/mo
Deposit HK$23.99M · loan HK$23.99M · min. income ≈ HK$232,582/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$2,039,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,738
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$125,003
−HK$3,312/mo
Today · 4.125%
HK$128,315
baseline
▲ 0.50% · 4.625%
HK$135,079
+HK$6,764/mo
Deposit HK$23.99M · loan HK$23.99M · min. income ≈ HK$256,630/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$2,039,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,314
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$135,399
−HK$4,150/mo
Today · 4.125%
HK$139,549
baseline
▲ 0.50% · 4.625%
HK$148,040
+HK$8,491/mo
Deposit HK$19.20M · loan HK$28.79M · min. income ≈ HK$279,098/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,039,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,086
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$150,004
−HK$3,974/mo
Today · 4.125%
HK$153,978
baseline
▲ 0.50% · 4.625%
HK$162,095
+HK$8,117/mo
Deposit HK$19.20M · loan HK$28.79M · min. income ≈ HK$307,956/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,039,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,200
−HK$9,607/mo
▼ 0.25% · 3.875%
HK$157,965
−HK$4,842/mo
Today · 4.125%
HK$162,807
baseline
▲ 0.50% · 4.625%
HK$172,713
+HK$9,906/mo
Deposit HK$14.40M · loan HK$33.59M · min. income ≈ HK$325,614/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$2,039,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,433
−HK$9,208/mo
▼ 0.25% · 3.875%
HK$175,004
−HK$4,637/mo
Today · 4.125%
HK$179,641
baseline
▲ 0.50% · 4.625%
HK$189,111
+HK$9,470/mo
Deposit HK$14.40M · loan HK$33.59M · min. income ≈ HK$359,282/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$2,039,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,971
−HK$12,352/mo
▼ 0.25% · 3.875%
HK$203,098
−HK$6,225/mo
Today · 4.125%
HK$209,323
baseline
▲ 0.50% · 4.625%
HK$222,060
+HK$12,737/mo
Deposit HK$4.80M · loan HK$43.19M · min. income ≈ HK$418,646/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,039,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,129
−HK$11,839/mo
▼ 0.25% · 3.875%
HK$225,006
−HK$5,962/mo
Today · 4.125%
HK$230,968
baseline
▲ 0.50% · 4.625%
HK$243,142
+HK$12,174/mo
Deposit HK$4.80M · loan HK$43.19M · min. income ≈ HK$461,936/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,039,558 · Scale 2, in force from 26 Feb 2026)