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$111,146
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,603
−HK$3,512/mo
Today · 4.125%
HK$118,115
baseline
▲ 0.50% · 4.625%
HK$125,302
+HK$7,187/mo
Deposit HK$24.37M · loan HK$24.37M · min. income ≈ HK$236,230/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$2,071,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,648
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$126,965
−HK$3,364/mo
Today · 4.125%
HK$130,329
baseline
▲ 0.50% · 4.625%
HK$137,198
+HK$6,869/mo
Deposit HK$24.37M · loan HK$24.37M · min. income ≈ HK$260,658/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$2,071,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,375
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$137,523
−HK$4,215/mo
Today · 4.125%
HK$141,738
baseline
▲ 0.50% · 4.625%
HK$150,363
+HK$8,625/mo
Deposit HK$19.50M · loan HK$29.25M · min. income ≈ HK$283,476/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$2,071,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,378
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$152,357
−HK$4,037/mo
Today · 4.125%
HK$156,394
baseline
▲ 0.50% · 4.625%
HK$164,638
+HK$8,244/mo
Deposit HK$19.50M · loan HK$29.25M · min. income ≈ HK$312,788/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$2,071,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,604
−HK$9,758/mo
▼ 0.25% · 3.875%
HK$160,444
−HK$4,918/mo
Today · 4.125%
HK$165,362
baseline
▲ 0.50% · 4.625%
HK$175,423
+HK$10,061/mo
Deposit HK$14.62M · loan HK$34.12M · min. income ≈ HK$330,724/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$2,071,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,108
−HK$9,352/mo
▼ 0.25% · 3.875%
HK$177,750
−HK$4,710/mo
Today · 4.125%
HK$182,460
baseline
▲ 0.50% · 4.625%
HK$192,078
+HK$9,618/mo
Deposit HK$14.62M · loan HK$34.12M · min. income ≈ HK$364,920/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$2,071,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,062
−HK$12,546/mo
▼ 0.25% · 3.875%
HK$206,285
−HK$6,323/mo
Today · 4.125%
HK$212,608
baseline
▲ 0.50% · 4.625%
HK$225,544
+HK$12,936/mo
Deposit HK$4.87M · loan HK$43.87M · min. income ≈ HK$425,216/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$2,071,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,567
−HK$12,025/mo
▼ 0.25% · 3.875%
HK$228,536
−HK$6,056/mo
Today · 4.125%
HK$234,592
baseline
▲ 0.50% · 4.625%
HK$246,957
+HK$12,365/mo
Deposit HK$4.87M · loan HK$43.87M · min. income ≈ HK$469,184/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$2,071,560 · Scale 2, in force from 26 Feb 2026)