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$109,596
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$113,005
−HK$3,463/mo
Today · 4.125%
HK$116,468
baseline
▲ 0.50% · 4.625%
HK$123,555
+HK$7,087/mo
Deposit HK$24.03M · loan HK$24.03M · min. income ≈ HK$232,936/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,042,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,924
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$125,194
−HK$3,317/mo
Today · 4.125%
HK$128,511
baseline
▲ 0.50% · 4.625%
HK$135,285
+HK$6,774/mo
Deposit HK$24.03M · loan HK$24.03M · min. income ≈ HK$257,022/mo (50% DSR)
Upfront cash ≈ HK$26.07M (deposit + AVD stamp duty HK$2,042,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,515
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$135,606
−HK$4,156/mo
Today · 4.125%
HK$139,762
baseline
▲ 0.50% · 4.625%
HK$148,266
+HK$8,504/mo
Deposit HK$19.23M · loan HK$28.84M · min. income ≈ HK$279,524/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,042,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,309
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$150,233
−HK$3,981/mo
Today · 4.125%
HK$154,214
baseline
▲ 0.50% · 4.625%
HK$162,342
+HK$8,128/mo
Deposit HK$19.23M · loan HK$28.84M · min. income ≈ HK$308,428/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,042,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,434
−HK$9,622/mo
▼ 0.25% · 3.875%
HK$158,207
−HK$4,849/mo
Today · 4.125%
HK$163,056
baseline
▲ 0.50% · 4.625%
HK$172,977
+HK$9,921/mo
Deposit HK$14.42M · loan HK$33.64M · min. income ≈ HK$326,112/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,042,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,694
−HK$9,222/mo
▼ 0.25% · 3.875%
HK$175,272
−HK$4,644/mo
Today · 4.125%
HK$179,916
baseline
▲ 0.50% · 4.625%
HK$189,400
+HK$9,484/mo
Deposit HK$14.42M · loan HK$33.64M · min. income ≈ HK$359,832/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$2,042,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,272
−HK$12,371/mo
▼ 0.25% · 3.875%
HK$203,409
−HK$6,234/mo
Today · 4.125%
HK$209,643
baseline
▲ 0.50% · 4.625%
HK$222,399
+HK$12,756/mo
Deposit HK$4.81M · loan HK$43.26M · min. income ≈ HK$419,286/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,042,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,464
−HK$11,856/mo
▼ 0.25% · 3.875%
HK$225,349
−HK$5,971/mo
Today · 4.125%
HK$231,320
baseline
▲ 0.50% · 4.625%
HK$243,514
+HK$12,194/mo
Deposit HK$4.81M · loan HK$43.26M · min. income ≈ HK$462,640/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$2,042,674 · Scale 2, in force from 26 Feb 2026)