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$110,312
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$113,744
−HK$3,486/mo
Today · 4.125%
HK$117,230
baseline
▲ 0.50% · 4.625%
HK$124,363
+HK$7,133/mo
Deposit HK$24.19M · loan HK$24.19M · min. income ≈ HK$234,460/mo (50% DSR)
Upfront cash ≈ HK$26.24M (deposit + AVD stamp duty HK$2,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,721
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$126,013
−HK$3,339/mo
Today · 4.125%
HK$129,352
baseline
▲ 0.50% · 4.625%
HK$136,170
+HK$6,818/mo
Deposit HK$24.19M · loan HK$24.19M · min. income ≈ HK$258,704/mo (50% DSR)
Upfront cash ≈ HK$26.24M (deposit + AVD stamp duty HK$2,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,375
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$136,492
−HK$4,184/mo
Today · 4.125%
HK$140,676
baseline
▲ 0.50% · 4.625%
HK$149,236
+HK$8,560/mo
Deposit HK$19.35M · loan HK$29.03M · min. income ≈ HK$281,352/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$2,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,266
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$151,215
−HK$4,007/mo
Today · 4.125%
HK$155,222
baseline
▲ 0.50% · 4.625%
HK$163,404
+HK$8,182/mo
Deposit HK$19.35M · loan HK$29.03M · min. income ≈ HK$310,444/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$2,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,437
−HK$9,685/mo
▼ 0.25% · 3.875%
HK$159,241
−HK$4,881/mo
Today · 4.125%
HK$164,122
baseline
▲ 0.50% · 4.625%
HK$174,108
+HK$9,986/mo
Deposit HK$14.51M · loan HK$33.86M · min. income ≈ HK$328,244/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$2,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,810
−HK$9,282/mo
▼ 0.25% · 3.875%
HK$176,418
−HK$4,674/mo
Today · 4.125%
HK$181,092
baseline
▲ 0.50% · 4.625%
HK$190,638
+HK$9,546/mo
Deposit HK$14.51M · loan HK$33.86M · min. income ≈ HK$362,184/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$2,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,562
−HK$12,452/mo
▼ 0.25% · 3.875%
HK$204,738
−HK$6,276/mo
Today · 4.125%
HK$211,014
baseline
▲ 0.50% · 4.625%
HK$223,853
+HK$12,839/mo
Deposit HK$4.84M · loan HK$43.54M · min. income ≈ HK$422,028/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,056,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,898
−HK$11,935/mo
▼ 0.25% · 3.875%
HK$226,823
−HK$6,010/mo
Today · 4.125%
HK$232,833
baseline
▲ 0.50% · 4.625%
HK$245,106
+HK$12,273/mo
Deposit HK$4.84M · loan HK$43.54M · min. income ≈ HK$465,666/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$2,056,028 · Scale 2, in force from 26 Feb 2026)