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$109,883
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$113,301
−HK$3,473/mo
Today · 4.125%
HK$116,774
baseline
▲ 0.50% · 4.625%
HK$123,879
+HK$7,105/mo
Deposit HK$24.09M · loan HK$24.09M · min. income ≈ HK$233,548/mo (50% DSR)
Upfront cash ≈ HK$26.14M (deposit + AVD stamp duty HK$2,048,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,244
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$125,522
−HK$3,326/mo
Today · 4.125%
HK$128,848
baseline
▲ 0.50% · 4.625%
HK$135,640
+HK$6,792/mo
Deposit HK$24.09M · loan HK$24.09M · min. income ≈ HK$257,696/mo (50% DSR)
Upfront cash ≈ HK$26.14M (deposit + AVD stamp duty HK$2,048,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,860
−HK$8,268/mo
▼ 0.25% · 3.875%
HK$135,961
−HK$4,167/mo
Today · 4.125%
HK$140,128
baseline
▲ 0.50% · 4.625%
HK$148,655
+HK$8,527/mo
Deposit HK$19.28M · loan HK$28.91M · min. income ≈ HK$280,256/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,048,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,692
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$150,627
−HK$3,991/mo
Today · 4.125%
HK$154,618
baseline
▲ 0.50% · 4.625%
HK$162,768
+HK$8,150/mo
Deposit HK$19.28M · loan HK$28.91M · min. income ≈ HK$309,236/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,048,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,836
−HK$9,647/mo
▼ 0.25% · 3.875%
HK$158,621
−HK$4,862/mo
Today · 4.125%
HK$163,483
baseline
▲ 0.50% · 4.625%
HK$173,431
+HK$9,948/mo
Deposit HK$14.46M · loan HK$33.73M · min. income ≈ HK$326,966/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$2,048,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,141
−HK$9,246/mo
▼ 0.25% · 3.875%
HK$175,731
−HK$4,656/mo
Today · 4.125%
HK$180,387
baseline
▲ 0.50% · 4.625%
HK$189,896
+HK$9,509/mo
Deposit HK$14.46M · loan HK$33.73M · min. income ≈ HK$360,774/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$2,048,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,789
−HK$12,404/mo
▼ 0.25% · 3.875%
HK$203,942
−HK$6,251/mo
Today · 4.125%
HK$210,193
baseline
▲ 0.50% · 4.625%
HK$222,982
+HK$12,789/mo
Deposit HK$4.82M · loan HK$43.37M · min. income ≈ HK$420,386/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,039
−HK$11,888/mo
▼ 0.25% · 3.875%
HK$225,940
−HK$5,987/mo
Today · 4.125%
HK$231,927
baseline
▲ 0.50% · 4.625%
HK$244,152
+HK$12,225/mo
Deposit HK$4.82M · loan HK$43.37M · min. income ≈ HK$463,854/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,028 · Scale 2, in force from 26 Feb 2026)