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$109,195
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,592
−HK$3,451/mo
Today · 4.125%
HK$116,043
baseline
▲ 0.50% · 4.625%
HK$123,103
+HK$7,060/mo
Deposit HK$23.94M · loan HK$23.94M · min. income ≈ HK$232,086/mo (50% DSR)
Upfront cash ≈ HK$25.98M (deposit + AVD stamp duty HK$2,035,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,478
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,736
−HK$3,305/mo
Today · 4.125%
HK$128,041
baseline
▲ 0.50% · 4.625%
HK$134,791
+HK$6,750/mo
Deposit HK$23.94M · loan HK$23.94M · min. income ≈ HK$256,082/mo (50% DSR)
Upfront cash ≈ HK$25.98M (deposit + AVD stamp duty HK$2,035,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,034
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$135,110
−HK$4,141/mo
Today · 4.125%
HK$139,251
baseline
▲ 0.50% · 4.625%
HK$147,724
+HK$8,473/mo
Deposit HK$19.15M · loan HK$28.73M · min. income ≈ HK$278,502/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$2,035,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,774
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$149,684
−HK$3,966/mo
Today · 4.125%
HK$153,650
baseline
▲ 0.50% · 4.625%
HK$161,749
+HK$8,099/mo
Deposit HK$19.15M · loan HK$28.73M · min. income ≈ HK$307,300/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$2,035,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,873
−HK$9,587/mo
▼ 0.25% · 3.875%
HK$157,628
−HK$4,832/mo
Today · 4.125%
HK$162,460
baseline
▲ 0.50% · 4.625%
HK$172,345
+HK$9,885/mo
Deposit HK$14.37M · loan HK$33.52M · min. income ≈ HK$324,920/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$2,035,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,070
−HK$9,188/mo
▼ 0.25% · 3.875%
HK$174,631
−HK$4,627/mo
Today · 4.125%
HK$179,258
baseline
▲ 0.50% · 4.625%
HK$188,707
+HK$9,449/mo
Deposit HK$14.37M · loan HK$33.52M · min. income ≈ HK$358,516/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$2,035,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,551
−HK$12,326/mo
▼ 0.25% · 3.875%
HK$202,665
−HK$6,212/mo
Today · 4.125%
HK$208,877
baseline
▲ 0.50% · 4.625%
HK$221,586
+HK$12,709/mo
Deposit HK$4.79M · loan HK$43.10M · min. income ≈ HK$417,754/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,035,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,661
−HK$11,814/mo
▼ 0.25% · 3.875%
HK$224,525
−HK$5,950/mo
Today · 4.125%
HK$230,475
baseline
▲ 0.50% · 4.625%
HK$242,623
+HK$12,148/mo
Deposit HK$4.79M · loan HK$43.10M · min. income ≈ HK$460,950/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,035,205 · Scale 2, in force from 26 Feb 2026)