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$110,581
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$114,020
−HK$3,495/mo
Today · 4.125%
HK$117,515
baseline
▲ 0.50% · 4.625%
HK$124,665
+HK$7,150/mo
Deposit HK$24.25M · loan HK$24.25M · min. income ≈ HK$235,030/mo (50% DSR)
Upfront cash ≈ HK$26.31M (deposit + AVD stamp duty HK$2,061,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,020
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$126,319
−HK$3,347/mo
Today · 4.125%
HK$129,666
baseline
▲ 0.50% · 4.625%
HK$136,501
+HK$6,835/mo
Deposit HK$24.25M · loan HK$24.25M · min. income ≈ HK$259,332/mo (50% DSR)
Upfront cash ≈ HK$26.31M (deposit + AVD stamp duty HK$2,061,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,697
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,824
−HK$4,194/mo
Today · 4.125%
HK$141,018
baseline
▲ 0.50% · 4.625%
HK$149,598
+HK$8,580/mo
Deposit HK$19.40M · loan HK$29.10M · min. income ≈ HK$282,036/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$2,061,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,624
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$151,583
−HK$4,016/mo
Today · 4.125%
HK$155,599
baseline
▲ 0.50% · 4.625%
HK$163,801
+HK$8,202/mo
Deposit HK$19.40M · loan HK$29.10M · min. income ≈ HK$311,198/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$2,061,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,813
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$159,628
−HK$4,893/mo
Today · 4.125%
HK$164,521
baseline
▲ 0.50% · 4.625%
HK$174,532
+HK$10,011/mo
Deposit HK$14.55M · loan HK$33.95M · min. income ≈ HK$329,042/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$2,061,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,228
−HK$9,305/mo
▼ 0.25% · 3.875%
HK$176,847
−HK$4,686/mo
Today · 4.125%
HK$181,533
baseline
▲ 0.50% · 4.625%
HK$191,101
+HK$9,568/mo
Deposit HK$14.55M · loan HK$33.95M · min. income ≈ HK$363,066/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$2,061,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,045
−HK$12,482/mo
▼ 0.25% · 3.875%
HK$205,236
−HK$6,291/mo
Today · 4.125%
HK$211,527
baseline
▲ 0.50% · 4.625%
HK$224,398
+HK$12,871/mo
Deposit HK$4.85M · loan HK$43.65M · min. income ≈ HK$423,054/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,061,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,436
−HK$11,963/mo
▼ 0.25% · 3.875%
HK$227,374
−HK$6,025/mo
Today · 4.125%
HK$233,399
baseline
▲ 0.50% · 4.625%
HK$245,702
+HK$12,303/mo
Deposit HK$4.85M · loan HK$43.65M · min. income ≈ HK$466,798/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,061,029 · Scale 2, in force from 26 Feb 2026)