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$110,067
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$113,491
−HK$3,479/mo
Today · 4.125%
HK$116,970
baseline
▲ 0.50% · 4.625%
HK$124,087
+HK$7,117/mo
Deposit HK$24.13M · loan HK$24.13M · min. income ≈ HK$233,940/mo (50% DSR)
Upfront cash ≈ HK$26.19M (deposit + AVD stamp duty HK$2,051,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,449
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$125,733
−HK$3,331/mo
Today · 4.125%
HK$129,064
baseline
▲ 0.50% · 4.625%
HK$135,868
+HK$6,804/mo
Deposit HK$24.13M · loan HK$24.13M · min. income ≈ HK$258,128/mo (50% DSR)
Upfront cash ≈ HK$26.19M (deposit + AVD stamp duty HK$2,051,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,081
−HK$8,282/mo
▼ 0.25% · 3.875%
HK$136,189
−HK$4,174/mo
Today · 4.125%
HK$140,363
baseline
▲ 0.50% · 4.625%
HK$148,904
+HK$8,541/mo
Deposit HK$19.31M · loan HK$28.96M · min. income ≈ HK$280,726/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,051,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,939
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$150,879
−HK$3,998/mo
Today · 4.125%
HK$154,877
baseline
▲ 0.50% · 4.625%
HK$163,041
+HK$8,164/mo
Deposit HK$19.31M · loan HK$28.96M · min. income ≈ HK$309,754/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,051,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,094
−HK$9,663/mo
▼ 0.25% · 3.875%
HK$158,888
−HK$4,869/mo
Today · 4.125%
HK$163,757
baseline
▲ 0.50% · 4.625%
HK$173,722
+HK$9,965/mo
Deposit HK$14.48M · loan HK$33.79M · min. income ≈ HK$327,514/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$2,051,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,428
−HK$9,262/mo
▼ 0.25% · 3.875%
HK$176,026
−HK$4,664/mo
Today · 4.125%
HK$180,690
baseline
▲ 0.50% · 4.625%
HK$190,215
+HK$9,525/mo
Deposit HK$14.48M · loan HK$33.79M · min. income ≈ HK$361,380/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$2,051,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,121
−HK$12,424/mo
▼ 0.25% · 3.875%
HK$204,284
−HK$6,261/mo
Today · 4.125%
HK$210,545
baseline
▲ 0.50% · 4.625%
HK$223,356
+HK$12,811/mo
Deposit HK$4.83M · loan HK$43.44M · min. income ≈ HK$421,090/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,051,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,408
−HK$11,908/mo
▼ 0.25% · 3.875%
HK$226,319
−HK$5,997/mo
Today · 4.125%
HK$232,316
baseline
▲ 0.50% · 4.625%
HK$244,562
+HK$12,246/mo
Deposit HK$4.83M · loan HK$43.44M · min. income ≈ HK$464,632/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,051,464 · Scale 2, in force from 26 Feb 2026)