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$110,205
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,633
−HK$3,483/mo
Today · 4.125%
HK$117,116
baseline
▲ 0.50% · 4.625%
HK$124,242
+HK$7,126/mo
Deposit HK$24.16M · loan HK$24.16M · min. income ≈ HK$234,232/mo (50% DSR)
Upfront cash ≈ HK$26.22M (deposit + AVD stamp duty HK$2,054,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,602
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,890
−HK$3,335/mo
Today · 4.125%
HK$129,225
baseline
▲ 0.50% · 4.625%
HK$136,037
+HK$6,812/mo
Deposit HK$24.16M · loan HK$24.16M · min. income ≈ HK$258,450/mo (50% DSR)
Upfront cash ≈ HK$26.22M (deposit + AVD stamp duty HK$2,054,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,246
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$136,359
−HK$4,180/mo
Today · 4.125%
HK$140,539
baseline
▲ 0.50% · 4.625%
HK$149,090
+HK$8,551/mo
Deposit HK$19.33M · loan HK$29.00M · min. income ≈ HK$281,078/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,054,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,122
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,068
−HK$4,003/mo
Today · 4.125%
HK$155,071
baseline
▲ 0.50% · 4.625%
HK$163,245
+HK$8,174/mo
Deposit HK$19.33M · loan HK$29.00M · min. income ≈ HK$310,142/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,054,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,287
−HK$9,675/mo
▼ 0.25% · 3.875%
HK$159,086
−HK$4,876/mo
Today · 4.125%
HK$163,962
baseline
▲ 0.50% · 4.625%
HK$173,938
+HK$9,976/mo
Deposit HK$14.50M · loan HK$33.83M · min. income ≈ HK$327,924/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,054,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,642
−HK$9,274/mo
▼ 0.25% · 3.875%
HK$176,246
−HK$4,670/mo
Today · 4.125%
HK$180,916
baseline
▲ 0.50% · 4.625%
HK$190,452
+HK$9,536/mo
Deposit HK$14.50M · loan HK$33.83M · min. income ≈ HK$361,832/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,054,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,369
−HK$12,439/mo
▼ 0.25% · 3.875%
HK$204,539
−HK$6,269/mo
Today · 4.125%
HK$210,808
baseline
▲ 0.50% · 4.625%
HK$223,635
+HK$12,827/mo
Deposit HK$4.83M · loan HK$43.50M · min. income ≈ HK$421,616/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,054,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,683
−HK$11,923/mo
▼ 0.25% · 3.875%
HK$226,602
−HK$6,004/mo
Today · 4.125%
HK$232,606
baseline
▲ 0.50% · 4.625%
HK$244,867
+HK$12,261/mo
Deposit HK$4.83M · loan HK$43.50M · min. income ≈ HK$465,212/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,054,025 · Scale 2, in force from 26 Feb 2026)