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$110,384
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$113,818
−HK$3,489/mo
Today · 4.125%
HK$117,307
baseline
▲ 0.50% · 4.625%
HK$124,444
+HK$7,137/mo
Deposit HK$24.20M · loan HK$24.20M · min. income ≈ HK$234,614/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,057,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,802
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,095
−HK$3,341/mo
Today · 4.125%
HK$129,436
baseline
▲ 0.50% · 4.625%
HK$136,259
+HK$6,823/mo
Deposit HK$24.20M · loan HK$24.20M · min. income ≈ HK$258,872/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,057,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,461
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$136,582
−HK$4,186/mo
Today · 4.125%
HK$140,768
baseline
▲ 0.50% · 4.625%
HK$149,333
+HK$8,565/mo
Deposit HK$19.36M · loan HK$29.05M · min. income ≈ HK$281,536/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,057,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,362
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$151,314
−HK$4,009/mo
Today · 4.125%
HK$155,323
baseline
▲ 0.50% · 4.625%
HK$163,511
+HK$8,188/mo
Deposit HK$19.36M · loan HK$29.05M · min. income ≈ HK$310,646/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,057,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,538
−HK$9,691/mo
▼ 0.25% · 3.875%
HK$159,345
−HK$4,884/mo
Today · 4.125%
HK$164,229
baseline
▲ 0.50% · 4.625%
HK$174,222
+HK$9,993/mo
Deposit HK$14.52M · loan HK$33.89M · min. income ≈ HK$328,458/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$2,057,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,922
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$176,533
−HK$4,678/mo
Today · 4.125%
HK$181,211
baseline
▲ 0.50% · 4.625%
HK$190,763
+HK$9,552/mo
Deposit HK$14.52M · loan HK$33.89M · min. income ≈ HK$362,422/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$2,057,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,692
−HK$12,460/mo
▼ 0.25% · 3.875%
HK$204,873
−HK$6,279/mo
Today · 4.125%
HK$211,152
baseline
▲ 0.50% · 4.625%
HK$224,000
+HK$12,848/mo
Deposit HK$4.84M · loan HK$43.57M · min. income ≈ HK$422,304/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,057,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,043
−HK$11,942/mo
▼ 0.25% · 3.875%
HK$226,971
−HK$6,014/mo
Today · 4.125%
HK$232,985
baseline
▲ 0.50% · 4.625%
HK$245,266
+HK$12,281/mo
Deposit HK$4.84M · loan HK$43.57M · min. income ≈ HK$465,970/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,057,375 · Scale 2, in force from 26 Feb 2026)