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$111,434
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,900
−HK$3,522/mo
Today · 4.125%
HK$118,422
baseline
▲ 0.50% · 4.625%
HK$125,628
+HK$7,206/mo
Deposit HK$24.43M · loan HK$24.43M · min. income ≈ HK$236,844/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,076,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,969
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$127,294
−HK$3,373/mo
Today · 4.125%
HK$130,667
baseline
▲ 0.50% · 4.625%
HK$137,555
+HK$6,888/mo
Deposit HK$24.43M · loan HK$24.43M · min. income ≈ HK$261,334/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,076,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,721
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$137,880
−HK$4,226/mo
Today · 4.125%
HK$142,106
baseline
▲ 0.50% · 4.625%
HK$150,753
+HK$8,647/mo
Deposit HK$19.55M · loan HK$29.32M · min. income ≈ HK$284,212/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$2,076,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,763
−HK$8,037/mo
▼ 0.25% · 3.875%
HK$152,753
−HK$4,047/mo
Today · 4.125%
HK$156,800
baseline
▲ 0.50% · 4.625%
HK$165,066
+HK$8,266/mo
Deposit HK$19.55M · loan HK$29.32M · min. income ≈ HK$313,600/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$2,076,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,008
−HK$9,783/mo
▼ 0.25% · 3.875%
HK$160,860
−HK$4,931/mo
Today · 4.125%
HK$165,791
baseline
▲ 0.50% · 4.625%
HK$175,879
+HK$10,088/mo
Deposit HK$14.66M · loan HK$34.21M · min. income ≈ HK$331,582/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$2,076,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,557
−HK$9,377/mo
▼ 0.25% · 3.875%
HK$178,212
−HK$4,722/mo
Today · 4.125%
HK$182,934
baseline
▲ 0.50% · 4.625%
HK$192,576
+HK$9,642/mo
Deposit HK$14.66M · loan HK$34.21M · min. income ≈ HK$365,868/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$2,076,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,581
−HK$12,579/mo
▼ 0.25% · 3.875%
HK$206,821
−HK$6,339/mo
Today · 4.125%
HK$213,160
baseline
▲ 0.50% · 4.625%
HK$226,130
+HK$12,970/mo
Deposit HK$4.89M · loan HK$43.98M · min. income ≈ HK$426,320/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,076,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,145
−HK$12,056/mo
▼ 0.25% · 3.875%
HK$229,129
−HK$6,072/mo
Today · 4.125%
HK$235,201
baseline
▲ 0.50% · 4.625%
HK$247,598
+HK$12,397/mo
Deposit HK$4.89M · loan HK$43.98M · min. income ≈ HK$470,402/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,076,938 · Scale 2, in force from 26 Feb 2026)