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$110,485
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$113,922
−HK$3,491/mo
Today · 4.125%
HK$117,413
baseline
▲ 0.50% · 4.625%
HK$124,558
+HK$7,145/mo
Deposit HK$24.23M · loan HK$24.23M · min. income ≈ HK$234,826/mo (50% DSR)
Upfront cash ≈ HK$26.29M (deposit + AVD stamp duty HK$2,059,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,913
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,210
−HK$3,344/mo
Today · 4.125%
HK$129,554
baseline
▲ 0.50% · 4.625%
HK$136,383
+HK$6,829/mo
Deposit HK$24.23M · loan HK$24.23M · min. income ≈ HK$259,108/mo (50% DSR)
Upfront cash ≈ HK$26.29M (deposit + AVD stamp duty HK$2,059,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,582
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$136,706
−HK$4,190/mo
Today · 4.125%
HK$140,896
baseline
▲ 0.50% · 4.625%
HK$149,469
+HK$8,573/mo
Deposit HK$19.38M · loan HK$29.07M · min. income ≈ HK$281,792/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$2,059,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,496
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,452
−HK$4,013/mo
Today · 4.125%
HK$155,465
baseline
▲ 0.50% · 4.625%
HK$163,660
+HK$8,195/mo
Deposit HK$19.38M · loan HK$29.07M · min. income ≈ HK$310,930/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$2,059,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,679
−HK$9,700/mo
▼ 0.25% · 3.875%
HK$159,490
−HK$4,889/mo
Today · 4.125%
HK$164,379
baseline
▲ 0.50% · 4.625%
HK$174,381
+HK$10,002/mo
Deposit HK$14.54M · loan HK$33.92M · min. income ≈ HK$328,758/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,059,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,079
−HK$9,297/mo
▼ 0.25% · 3.875%
HK$176,694
−HK$4,682/mo
Today · 4.125%
HK$181,376
baseline
▲ 0.50% · 4.625%
HK$190,936
+HK$9,560/mo
Deposit HK$14.54M · loan HK$33.92M · min. income ≈ HK$362,752/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,059,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,873
−HK$12,471/mo
▼ 0.25% · 3.875%
HK$205,059
−HK$6,285/mo
Today · 4.125%
HK$211,344
baseline
▲ 0.50% · 4.625%
HK$224,204
+HK$12,860/mo
Deposit HK$4.85M · loan HK$43.61M · min. income ≈ HK$422,688/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,059,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,244
−HK$11,953/mo
▼ 0.25% · 3.875%
HK$227,178
−HK$6,019/mo
Today · 4.125%
HK$233,197
baseline
▲ 0.50% · 4.625%
HK$245,489
+HK$12,292/mo
Deposit HK$4.85M · loan HK$43.61M · min. income ≈ HK$466,394/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,059,247 · Scale 2, in force from 26 Feb 2026)