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$111,312
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$114,775
−HK$3,518/mo
Today · 4.125%
HK$118,293
baseline
▲ 0.50% · 4.625%
HK$125,491
+HK$7,198/mo
Deposit HK$24.41M · loan HK$24.41M · min. income ≈ HK$236,586/mo (50% DSR)
Upfront cash ≈ HK$26.48M (deposit + AVD stamp duty HK$2,074,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,834
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$127,155
−HK$3,369/mo
Today · 4.125%
HK$130,524
baseline
▲ 0.50% · 4.625%
HK$137,404
+HK$6,880/mo
Deposit HK$24.41M · loan HK$24.41M · min. income ≈ HK$261,048/mo (50% DSR)
Upfront cash ≈ HK$26.48M (deposit + AVD stamp duty HK$2,074,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,575
−HK$8,376/mo
▼ 0.25% · 3.875%
HK$137,730
−HK$4,221/mo
Today · 4.125%
HK$141,951
baseline
▲ 0.50% · 4.625%
HK$150,589
+HK$8,638/mo
Deposit HK$19.53M · loan HK$29.29M · min. income ≈ HK$283,902/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$2,074,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,601
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$152,586
−HK$4,043/mo
Today · 4.125%
HK$156,629
baseline
▲ 0.50% · 4.625%
HK$164,885
+HK$8,256/mo
Deposit HK$19.53M · loan HK$29.29M · min. income ≈ HK$313,258/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$2,074,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,837
−HK$9,773/mo
▼ 0.25% · 3.875%
HK$160,685
−HK$4,925/mo
Today · 4.125%
HK$165,610
baseline
▲ 0.50% · 4.625%
HK$175,687
+HK$10,077/mo
Deposit HK$14.64M · loan HK$34.17M · min. income ≈ HK$331,220/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$2,074,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,368
−HK$9,366/mo
▼ 0.25% · 3.875%
HK$178,017
−HK$4,717/mo
Today · 4.125%
HK$182,734
baseline
▲ 0.50% · 4.625%
HK$192,366
+HK$9,632/mo
Deposit HK$14.64M · loan HK$34.17M · min. income ≈ HK$365,468/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$2,074,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,362
−HK$12,565/mo
▼ 0.25% · 3.875%
HK$206,595
−HK$6,332/mo
Today · 4.125%
HK$212,927
baseline
▲ 0.50% · 4.625%
HK$225,883
+HK$12,956/mo
Deposit HK$4.88M · loan HK$43.93M · min. income ≈ HK$425,854/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,074,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,901
−HK$12,043/mo
▼ 0.25% · 3.875%
HK$228,879
−HK$6,065/mo
Today · 4.125%
HK$234,944
baseline
▲ 0.50% · 4.625%
HK$247,328
+HK$12,384/mo
Deposit HK$4.88M · loan HK$43.93M · min. income ≈ HK$469,888/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,074,669 · Scale 2, in force from 26 Feb 2026)