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$111,236
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,696
−HK$3,516/mo
Today · 4.125%
HK$118,212
baseline
▲ 0.50% · 4.625%
HK$125,404
+HK$7,192/mo
Deposit HK$24.39M · loan HK$24.39M · min. income ≈ HK$236,424/mo (50% DSR)
Upfront cash ≈ HK$26.46M (deposit + AVD stamp duty HK$2,073,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,749
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$127,068
−HK$3,367/mo
Today · 4.125%
HK$130,435
baseline
▲ 0.50% · 4.625%
HK$137,310
+HK$6,875/mo
Deposit HK$24.39M · loan HK$24.39M · min. income ≈ HK$260,870/mo (50% DSR)
Upfront cash ≈ HK$26.46M (deposit + AVD stamp duty HK$2,073,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,483
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$137,635
−HK$4,219/mo
Today · 4.125%
HK$141,854
baseline
▲ 0.50% · 4.625%
HK$150,485
+HK$8,631/mo
Deposit HK$19.51M · loan HK$29.27M · min. income ≈ HK$283,708/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$2,073,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,499
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$152,481
−HK$4,041/mo
Today · 4.125%
HK$156,522
baseline
▲ 0.50% · 4.625%
HK$164,772
+HK$8,250/mo
Deposit HK$19.51M · loan HK$29.27M · min. income ≈ HK$313,044/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$2,073,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,730
−HK$9,766/mo
▼ 0.25% · 3.875%
HK$160,575
−HK$4,921/mo
Today · 4.125%
HK$165,496
baseline
▲ 0.50% · 4.625%
HK$175,566
+HK$10,070/mo
Deposit HK$14.63M · loan HK$34.15M · min. income ≈ HK$330,992/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$2,073,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,249
−HK$9,360/mo
▼ 0.25% · 3.875%
HK$177,895
−HK$4,714/mo
Today · 4.125%
HK$182,609
baseline
▲ 0.50% · 4.625%
HK$192,234
+HK$9,625/mo
Deposit HK$14.63M · loan HK$34.15M · min. income ≈ HK$365,218/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$2,073,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,225
−HK$12,556/mo
▼ 0.25% · 3.875%
HK$206,453
−HK$6,328/mo
Today · 4.125%
HK$212,781
baseline
▲ 0.50% · 4.625%
HK$225,728
+HK$12,947/mo
Deposit HK$4.88M · loan HK$43.90M · min. income ≈ HK$425,562/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$2,073,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,748
−HK$12,035/mo
▼ 0.25% · 3.875%
HK$228,722
−HK$6,061/mo
Today · 4.125%
HK$234,783
baseline
▲ 0.50% · 4.625%
HK$247,158
+HK$12,375/mo
Deposit HK$4.88M · loan HK$43.90M · min. income ≈ HK$469,566/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$2,073,247 · Scale 2, in force from 26 Feb 2026)