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$110,195
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,622
−HK$3,483/mo
Today · 4.125%
HK$117,105
baseline
▲ 0.50% · 4.625%
HK$124,230
+HK$7,125/mo
Deposit HK$24.16M · loan HK$24.16M · min. income ≈ HK$234,210/mo (50% DSR)
Upfront cash ≈ HK$26.22M (deposit + AVD stamp duty HK$2,053,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,590
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$125,878
−HK$3,336/mo
Today · 4.125%
HK$129,214
baseline
▲ 0.50% · 4.625%
HK$136,025
+HK$6,811/mo
Deposit HK$24.16M · loan HK$24.16M · min. income ≈ HK$258,428/mo (50% DSR)
Upfront cash ≈ HK$26.22M (deposit + AVD stamp duty HK$2,053,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,233
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$136,347
−HK$4,179/mo
Today · 4.125%
HK$140,526
baseline
▲ 0.50% · 4.625%
HK$149,076
+HK$8,550/mo
Deposit HK$19.33M · loan HK$29.00M · min. income ≈ HK$281,052/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,053,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,108
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$151,054
−HK$4,002/mo
Today · 4.125%
HK$155,056
baseline
▲ 0.50% · 4.625%
HK$163,229
+HK$8,173/mo
Deposit HK$19.33M · loan HK$29.00M · min. income ≈ HK$310,112/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,053,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,272
−HK$9,675/mo
▼ 0.25% · 3.875%
HK$159,071
−HK$4,876/mo
Today · 4.125%
HK$163,947
baseline
▲ 0.50% · 4.625%
HK$173,922
+HK$9,975/mo
Deposit HK$14.50M · loan HK$33.83M · min. income ≈ HK$327,894/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,053,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,626
−HK$9,273/mo
▼ 0.25% · 3.875%
HK$176,229
−HK$4,670/mo
Today · 4.125%
HK$180,899
baseline
▲ 0.50% · 4.625%
HK$190,434
+HK$9,535/mo
Deposit HK$14.50M · loan HK$33.83M · min. income ≈ HK$361,798/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$2,053,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,350
−HK$12,439/mo
▼ 0.25% · 3.875%
HK$204,520
−HK$6,269/mo
Today · 4.125%
HK$210,789
baseline
▲ 0.50% · 4.625%
HK$223,615
+HK$12,826/mo
Deposit HK$4.83M · loan HK$43.49M · min. income ≈ HK$421,578/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,053,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,663
−HK$11,921/mo
▼ 0.25% · 3.875%
HK$226,581
−HK$6,003/mo
Today · 4.125%
HK$232,584
baseline
▲ 0.50% · 4.625%
HK$244,844
+HK$12,260/mo
Deposit HK$4.83M · loan HK$43.49M · min. income ≈ HK$465,168/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,053,835 · Scale 2, in force from 26 Feb 2026)