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$111,395
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$114,860
−HK$3,520/mo
Today · 4.125%
HK$118,380
baseline
▲ 0.50% · 4.625%
HK$125,583
+HK$7,203/mo
Deposit HK$24.43M · loan HK$24.43M · min. income ≈ HK$236,760/mo (50% DSR)
Upfront cash ≈ HK$26.50M (deposit + AVD stamp duty HK$2,076,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,925
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$127,249
−HK$3,372/mo
Today · 4.125%
HK$130,621
baseline
▲ 0.50% · 4.625%
HK$137,506
+HK$6,885/mo
Deposit HK$24.43M · loan HK$24.43M · min. income ≈ HK$261,242/mo (50% DSR)
Upfront cash ≈ HK$26.50M (deposit + AVD stamp duty HK$2,076,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,674
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$137,832
−HK$4,224/mo
Today · 4.125%
HK$142,056
baseline
▲ 0.50% · 4.625%
HK$150,700
+HK$8,644/mo
Deposit HK$19.54M · loan HK$29.31M · min. income ≈ HK$284,112/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$2,076,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,711
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$152,699
−HK$4,046/mo
Today · 4.125%
HK$156,745
baseline
▲ 0.50% · 4.625%
HK$165,007
+HK$8,262/mo
Deposit HK$19.54M · loan HK$29.31M · min. income ≈ HK$313,490/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$2,076,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,953
−HK$9,779/mo
▼ 0.25% · 3.875%
HK$160,804
−HK$4,928/mo
Today · 4.125%
HK$165,732
baseline
▲ 0.50% · 4.625%
HK$175,817
+HK$10,085/mo
Deposit HK$14.66M · loan HK$34.20M · min. income ≈ HK$331,464/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$2,076,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,496
−HK$9,373/mo
▼ 0.25% · 3.875%
HK$178,149
−HK$4,720/mo
Today · 4.125%
HK$182,869
baseline
▲ 0.50% · 4.625%
HK$192,508
+HK$9,639/mo
Deposit HK$14.66M · loan HK$34.20M · min. income ≈ HK$365,738/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$2,076,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,510
−HK$12,574/mo
▼ 0.25% · 3.875%
HK$206,747
−HK$6,337/mo
Today · 4.125%
HK$213,084
baseline
▲ 0.50% · 4.625%
HK$226,050
+HK$12,966/mo
Deposit HK$4.89M · loan HK$43.97M · min. income ≈ HK$426,168/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,076,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,066
−HK$12,051/mo
▼ 0.25% · 3.875%
HK$229,048
−HK$6,069/mo
Today · 4.125%
HK$235,117
baseline
▲ 0.50% · 4.625%
HK$247,511
+HK$12,394/mo
Deposit HK$4.89M · loan HK$43.97M · min. income ≈ HK$470,234/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,076,203 · Scale 2, in force from 26 Feb 2026)