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$111,559
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,029
−HK$3,525/mo
Today · 4.125%
HK$118,554
baseline
▲ 0.50% · 4.625%
HK$125,768
+HK$7,214/mo
Deposit HK$24.46M · loan HK$24.46M · min. income ≈ HK$237,108/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,079,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,108
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,436
−HK$3,377/mo
Today · 4.125%
HK$130,813
baseline
▲ 0.50% · 4.625%
HK$137,708
+HK$6,895/mo
Deposit HK$24.46M · loan HK$24.46M · min. income ≈ HK$261,626/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,079,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,870
−HK$8,395/mo
▼ 0.25% · 3.875%
HK$138,035
−HK$4,230/mo
Today · 4.125%
HK$142,265
baseline
▲ 0.50% · 4.625%
HK$150,922
+HK$8,657/mo
Deposit HK$19.57M · loan HK$29.35M · min. income ≈ HK$284,530/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,079,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,929
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$152,924
−HK$4,052/mo
Today · 4.125%
HK$156,976
baseline
▲ 0.50% · 4.625%
HK$165,250
+HK$8,274/mo
Deposit HK$19.57M · loan HK$29.35M · min. income ≈ HK$313,952/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,079,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,182
−HK$9,794/mo
▼ 0.25% · 3.875%
HK$161,040
−HK$4,936/mo
Today · 4.125%
HK$165,976
baseline
▲ 0.50% · 4.625%
HK$176,075
+HK$10,099/mo
Deposit HK$14.68M · loan HK$34.25M · min. income ≈ HK$331,952/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$2,079,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,751
−HK$9,387/mo
▼ 0.25% · 3.875%
HK$178,411
−HK$4,727/mo
Today · 4.125%
HK$183,138
baseline
▲ 0.50% · 4.625%
HK$192,792
+HK$9,654/mo
Deposit HK$14.68M · loan HK$34.25M · min. income ≈ HK$366,276/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$2,079,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,806
−HK$12,592/mo
▼ 0.25% · 3.875%
HK$207,052
−HK$6,346/mo
Today · 4.125%
HK$213,398
baseline
▲ 0.50% · 4.625%
HK$226,383
+HK$12,985/mo
Deposit HK$4.89M · loan HK$44.03M · min. income ≈ HK$426,796/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,079,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,394
−HK$12,069/mo
▼ 0.25% · 3.875%
HK$229,385
−HK$6,078/mo
Today · 4.125%
HK$235,463
baseline
▲ 0.50% · 4.625%
HK$247,875
+HK$12,412/mo
Deposit HK$4.89M · loan HK$44.03M · min. income ≈ HK$470,926/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,079,259 · Scale 2, in force from 26 Feb 2026)