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$109,041
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$112,433
−HK$3,446/mo
Today · 4.125%
HK$115,879
baseline
▲ 0.50% · 4.625%
HK$122,930
+HK$7,051/mo
Deposit HK$23.91M · loan HK$23.91M · min. income ≈ HK$231,758/mo (50% DSR)
Upfront cash ≈ HK$25.94M (deposit + AVD stamp duty HK$2,032,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,307
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$124,560
−HK$3,301/mo
Today · 4.125%
HK$127,861
baseline
▲ 0.50% · 4.625%
HK$134,601
+HK$6,740/mo
Deposit HK$23.91M · loan HK$23.91M · min. income ≈ HK$255,722/mo (50% DSR)
Upfront cash ≈ HK$25.94M (deposit + AVD stamp duty HK$2,032,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,849
−HK$8,206/mo
▼ 0.25% · 3.875%
HK$134,919
−HK$4,136/mo
Today · 4.125%
HK$139,055
baseline
▲ 0.50% · 4.625%
HK$147,516
+HK$8,461/mo
Deposit HK$19.13M · loan HK$28.69M · min. income ≈ HK$278,110/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$2,032,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,568
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$149,473
−HK$3,960/mo
Today · 4.125%
HK$153,433
baseline
▲ 0.50% · 4.625%
HK$161,521
+HK$8,088/mo
Deposit HK$19.13M · loan HK$28.69M · min. income ≈ HK$306,866/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$2,032,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,657
−HK$9,573/mo
▼ 0.25% · 3.875%
HK$157,406
−HK$4,824/mo
Today · 4.125%
HK$162,230
baseline
▲ 0.50% · 4.625%
HK$172,102
+HK$9,872/mo
Deposit HK$14.35M · loan HK$33.47M · min. income ≈ HK$324,460/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$2,032,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,830
−HK$9,175/mo
▼ 0.25% · 3.875%
HK$174,385
−HK$4,620/mo
Today · 4.125%
HK$179,005
baseline
▲ 0.50% · 4.625%
HK$188,441
+HK$9,436/mo
Deposit HK$14.35M · loan HK$33.47M · min. income ≈ HK$358,010/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$2,032,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,274
−HK$12,308/mo
▼ 0.25% · 3.875%
HK$202,379
−HK$6,203/mo
Today · 4.125%
HK$208,582
baseline
▲ 0.50% · 4.625%
HK$221,274
+HK$12,692/mo
Deposit HK$4.78M · loan HK$43.04M · min. income ≈ HK$417,164/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,032,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,353
−HK$11,797/mo
▼ 0.25% · 3.875%
HK$224,209
−HK$5,941/mo
Today · 4.125%
HK$230,150
baseline
▲ 0.50% · 4.625%
HK$242,281
+HK$12,131/mo
Deposit HK$4.78M · loan HK$43.04M · min. income ≈ HK$460,300/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,032,335 · Scale 2, in force from 26 Feb 2026)