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$111,294
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,756
−HK$3,517/mo
Today · 4.125%
HK$118,273
baseline
▲ 0.50% · 4.625%
HK$125,470
+HK$7,197/mo
Deposit HK$24.40M · loan HK$24.40M · min. income ≈ HK$236,546/mo (50% DSR)
Upfront cash ≈ HK$26.48M (deposit + AVD stamp duty HK$2,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,814
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$127,134
−HK$3,369/mo
Today · 4.125%
HK$130,503
baseline
▲ 0.50% · 4.625%
HK$137,382
+HK$6,879/mo
Deposit HK$24.40M · loan HK$24.40M · min. income ≈ HK$261,006/mo (50% DSR)
Upfront cash ≈ HK$26.48M (deposit + AVD stamp duty HK$2,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,553
−HK$8,375/mo
▼ 0.25% · 3.875%
HK$137,707
−HK$4,221/mo
Today · 4.125%
HK$141,928
baseline
▲ 0.50% · 4.625%
HK$150,564
+HK$8,636/mo
Deposit HK$19.52M · loan HK$29.28M · min. income ≈ HK$283,856/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$2,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,576
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$152,561
−HK$4,042/mo
Today · 4.125%
HK$156,603
baseline
▲ 0.50% · 4.625%
HK$164,858
+HK$8,255/mo
Deposit HK$19.52M · loan HK$29.28M · min. income ≈ HK$313,206/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$2,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,812
−HK$9,771/mo
▼ 0.25% · 3.875%
HK$160,658
−HK$4,925/mo
Today · 4.125%
HK$165,583
baseline
▲ 0.50% · 4.625%
HK$175,658
+HK$10,075/mo
Deposit HK$14.64M · loan HK$34.17M · min. income ≈ HK$331,166/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$2,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,339
−HK$9,365/mo
▼ 0.25% · 3.875%
HK$177,988
−HK$4,716/mo
Today · 4.125%
HK$182,704
baseline
▲ 0.50% · 4.625%
HK$192,335
+HK$9,631/mo
Deposit HK$14.64M · loan HK$34.17M · min. income ≈ HK$365,408/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$2,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,329
−HK$12,563/mo
▼ 0.25% · 3.875%
HK$206,561
−HK$6,331/mo
Today · 4.125%
HK$212,892
baseline
▲ 0.50% · 4.625%
HK$225,846
+HK$12,954/mo
Deposit HK$4.88M · loan HK$43.93M · min. income ≈ HK$425,784/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,074,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,864
−HK$12,041/mo
▼ 0.25% · 3.875%
HK$228,842
−HK$6,063/mo
Today · 4.125%
HK$234,905
baseline
▲ 0.50% · 4.625%
HK$247,287
+HK$12,382/mo
Deposit HK$4.88M · loan HK$43.93M · min. income ≈ HK$469,810/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,074,328 · Scale 2, in force from 26 Feb 2026)