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$111,549
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,019
−HK$3,525/mo
Today · 4.125%
HK$118,544
baseline
▲ 0.50% · 4.625%
HK$125,758
+HK$7,214/mo
Deposit HK$24.46M · loan HK$24.46M · min. income ≈ HK$237,088/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,079,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,098
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,426
−HK$3,376/mo
Today · 4.125%
HK$130,802
baseline
▲ 0.50% · 4.625%
HK$137,697
+HK$6,895/mo
Deposit HK$24.46M · loan HK$24.46M · min. income ≈ HK$261,604/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,079,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,859
−HK$8,394/mo
▼ 0.25% · 3.875%
HK$138,023
−HK$4,230/mo
Today · 4.125%
HK$142,253
baseline
▲ 0.50% · 4.625%
HK$150,909
+HK$8,656/mo
Deposit HK$19.57M · loan HK$29.35M · min. income ≈ HK$284,506/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,079,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,917
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$152,911
−HK$4,052/mo
Today · 4.125%
HK$156,963
baseline
▲ 0.50% · 4.625%
HK$165,236
+HK$8,273/mo
Deposit HK$19.57M · loan HK$29.35M · min. income ≈ HK$313,926/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,079,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,169
−HK$9,793/mo
▼ 0.25% · 3.875%
HK$161,027
−HK$4,935/mo
Today · 4.125%
HK$165,962
baseline
▲ 0.50% · 4.625%
HK$176,061
+HK$10,099/mo
Deposit HK$14.68M · loan HK$34.24M · min. income ≈ HK$331,924/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$2,079,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,737
−HK$9,386/mo
▼ 0.25% · 3.875%
HK$178,396
−HK$4,727/mo
Today · 4.125%
HK$183,123
baseline
▲ 0.50% · 4.625%
HK$192,776
+HK$9,653/mo
Deposit HK$14.68M · loan HK$34.24M · min. income ≈ HK$366,246/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$2,079,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,789
−HK$12,591/mo
▼ 0.25% · 3.875%
HK$207,034
−HK$6,346/mo
Today · 4.125%
HK$213,380
baseline
▲ 0.50% · 4.625%
HK$226,364
+HK$12,984/mo
Deposit HK$4.89M · loan HK$44.03M · min. income ≈ HK$426,760/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,079,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,376
−HK$12,068/mo
▼ 0.25% · 3.875%
HK$229,366
−HK$6,078/mo
Today · 4.125%
HK$235,444
baseline
▲ 0.50% · 4.625%
HK$247,854
+HK$12,410/mo
Deposit HK$4.89M · loan HK$44.03M · min. income ≈ HK$470,888/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,079,085 · Scale 2, in force from 26 Feb 2026)