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$111,446
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,912
−HK$3,522/mo
Today · 4.125%
HK$118,434
baseline
▲ 0.50% · 4.625%
HK$125,641
+HK$7,207/mo
Deposit HK$24.44M · loan HK$24.44M · min. income ≈ HK$236,868/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,077,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,982
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,307
−HK$3,374/mo
Today · 4.125%
HK$130,681
baseline
▲ 0.50% · 4.625%
HK$137,569
+HK$6,888/mo
Deposit HK$24.44M · loan HK$24.44M · min. income ≈ HK$261,362/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,077,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,735
−HK$8,386/mo
▼ 0.25% · 3.875%
HK$137,895
−HK$4,226/mo
Today · 4.125%
HK$142,121
baseline
▲ 0.50% · 4.625%
HK$150,769
+HK$8,648/mo
Deposit HK$19.55M · loan HK$29.32M · min. income ≈ HK$284,242/mo (50% DSR)
Upfront cash ≈ HK$21.63M (deposit + AVD stamp duty HK$2,077,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,779
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$152,769
−HK$4,048/mo
Today · 4.125%
HK$156,817
baseline
▲ 0.50% · 4.625%
HK$165,083
+HK$8,266/mo
Deposit HK$19.55M · loan HK$29.32M · min. income ≈ HK$313,634/mo (50% DSR)
Upfront cash ≈ HK$21.63M (deposit + AVD stamp duty HK$2,077,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,024
−HK$9,784/mo
▼ 0.25% · 3.875%
HK$160,877
−HK$4,931/mo
Today · 4.125%
HK$165,808
baseline
▲ 0.50% · 4.625%
HK$175,897
+HK$10,089/mo
Deposit HK$14.66M · loan HK$34.21M · min. income ≈ HK$331,616/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$2,077,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,575
−HK$9,378/mo
▼ 0.25% · 3.875%
HK$178,230
−HK$4,723/mo
Today · 4.125%
HK$182,953
baseline
▲ 0.50% · 4.625%
HK$192,597
+HK$9,644/mo
Deposit HK$14.66M · loan HK$34.21M · min. income ≈ HK$365,906/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$2,077,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,602
−HK$12,580/mo
▼ 0.25% · 3.875%
HK$206,842
−HK$6,340/mo
Today · 4.125%
HK$213,182
baseline
▲ 0.50% · 4.625%
HK$226,154
+HK$12,972/mo
Deposit HK$4.89M · loan HK$43.99M · min. income ≈ HK$426,364/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,077,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,168
−HK$12,057/mo
▼ 0.25% · 3.875%
HK$229,153
−HK$6,072/mo
Today · 4.125%
HK$235,225
baseline
▲ 0.50% · 4.625%
HK$247,624
+HK$12,399/mo
Deposit HK$4.89M · loan HK$43.99M · min. income ≈ HK$470,450/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,077,156 · Scale 2, in force from 26 Feb 2026)