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$110,667
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,109
−HK$3,498/mo
Today · 4.125%
HK$117,607
baseline
▲ 0.50% · 4.625%
HK$124,763
+HK$7,156/mo
Deposit HK$24.27M · loan HK$24.27M · min. income ≈ HK$235,214/mo (50% DSR)
Upfront cash ≈ HK$26.33M (deposit + AVD stamp duty HK$2,062,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,116
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$126,418
−HK$3,349/mo
Today · 4.125%
HK$129,767
baseline
▲ 0.50% · 4.625%
HK$136,607
+HK$6,840/mo
Deposit HK$24.27M · loan HK$24.27M · min. income ≈ HK$259,534/mo (50% DSR)
Upfront cash ≈ HK$26.33M (deposit + AVD stamp duty HK$2,062,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,800
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$136,931
−HK$4,197/mo
Today · 4.125%
HK$141,128
baseline
▲ 0.50% · 4.625%
HK$149,715
+HK$8,587/mo
Deposit HK$19.41M · loan HK$29.12M · min. income ≈ HK$282,256/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$2,062,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,739
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$151,701
−HK$4,020/mo
Today · 4.125%
HK$155,721
baseline
▲ 0.50% · 4.625%
HK$163,929
+HK$8,208/mo
Deposit HK$19.41M · loan HK$29.12M · min. income ≈ HK$311,442/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$2,062,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,934
−HK$9,715/mo
▼ 0.25% · 3.875%
HK$159,753
−HK$4,896/mo
Today · 4.125%
HK$164,649
baseline
▲ 0.50% · 4.625%
HK$174,668
+HK$10,019/mo
Deposit HK$14.56M · loan HK$33.97M · min. income ≈ HK$329,298/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$2,062,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,362
−HK$9,312/mo
▼ 0.25% · 3.875%
HK$176,985
−HK$4,689/mo
Today · 4.125%
HK$181,674
baseline
▲ 0.50% · 4.625%
HK$191,250
+HK$9,576/mo
Deposit HK$14.56M · loan HK$33.97M · min. income ≈ HK$363,348/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$2,062,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,200
−HK$12,492/mo
▼ 0.25% · 3.875%
HK$205,396
−HK$6,296/mo
Today · 4.125%
HK$211,692
baseline
▲ 0.50% · 4.625%
HK$224,573
+HK$12,881/mo
Deposit HK$4.85M · loan HK$43.68M · min. income ≈ HK$423,384/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,062,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,608
−HK$11,973/mo
▼ 0.25% · 3.875%
HK$227,552
−HK$6,029/mo
Today · 4.125%
HK$233,581
baseline
▲ 0.50% · 4.625%
HK$245,893
+HK$12,312/mo
Deposit HK$4.85M · loan HK$43.68M · min. income ≈ HK$467,162/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,062,636 · Scale 2, in force from 26 Feb 2026)