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$109,334
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$112,735
−HK$3,455/mo
Today · 4.125%
HK$116,190
baseline
▲ 0.50% · 4.625%
HK$123,260
+HK$7,070/mo
Deposit HK$23.97M · loan HK$23.97M · min. income ≈ HK$232,380/mo (50% DSR)
Upfront cash ≈ HK$26.01M (deposit + AVD stamp duty HK$2,037,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,633
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$124,895
−HK$3,310/mo
Today · 4.125%
HK$128,205
baseline
▲ 0.50% · 4.625%
HK$134,962
+HK$6,757/mo
Deposit HK$23.97M · loan HK$23.97M · min. income ≈ HK$256,410/mo (50% DSR)
Upfront cash ≈ HK$26.01M (deposit + AVD stamp duty HK$2,037,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,201
−HK$8,227/mo
▼ 0.25% · 3.875%
HK$135,282
−HK$4,146/mo
Today · 4.125%
HK$139,428
baseline
▲ 0.50% · 4.625%
HK$147,912
+HK$8,484/mo
Deposit HK$19.18M · loan HK$28.77M · min. income ≈ HK$278,856/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$2,037,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,960
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$149,874
−HK$3,971/mo
Today · 4.125%
HK$153,845
baseline
▲ 0.50% · 4.625%
HK$161,955
+HK$8,110/mo
Deposit HK$19.18M · loan HK$28.77M · min. income ≈ HK$307,690/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$2,037,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,068
−HK$9,598/mo
▼ 0.25% · 3.875%
HK$157,829
−HK$4,837/mo
Today · 4.125%
HK$162,666
baseline
▲ 0.50% · 4.625%
HK$172,564
+HK$9,898/mo
Deposit HK$14.38M · loan HK$33.56M · min. income ≈ HK$325,332/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$2,037,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,286
−HK$9,200/mo
▼ 0.25% · 3.875%
HK$174,853
−HK$4,633/mo
Today · 4.125%
HK$179,486
baseline
▲ 0.50% · 4.625%
HK$188,947
+HK$9,461/mo
Deposit HK$14.38M · loan HK$33.56M · min. income ≈ HK$358,972/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$2,037,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,801
−HK$12,342/mo
▼ 0.25% · 3.875%
HK$202,923
−HK$6,220/mo
Today · 4.125%
HK$209,143
baseline
▲ 0.50% · 4.625%
HK$221,868
+HK$12,725/mo
Deposit HK$4.79M · loan HK$43.15M · min. income ≈ HK$418,286/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,037,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,940
−HK$11,828/mo
▼ 0.25% · 3.875%
HK$224,811
−HK$5,957/mo
Today · 4.125%
HK$230,768
baseline
▲ 0.50% · 4.625%
HK$242,932
+HK$12,164/mo
Deposit HK$4.79M · loan HK$43.15M · min. income ≈ HK$461,536/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,037,797 · Scale 2, in force from 26 Feb 2026)