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$111,221
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,681
−HK$3,515/mo
Today · 4.125%
HK$118,196
baseline
▲ 0.50% · 4.625%
HK$125,388
+HK$7,192/mo
Deposit HK$24.39M · loan HK$24.39M · min. income ≈ HK$236,392/mo (50% DSR)
Upfront cash ≈ HK$26.46M (deposit + AVD stamp duty HK$2,072,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,732
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,051
−HK$3,366/mo
Today · 4.125%
HK$130,417
baseline
▲ 0.50% · 4.625%
HK$137,292
+HK$6,875/mo
Deposit HK$24.39M · loan HK$24.39M · min. income ≈ HK$260,834/mo (50% DSR)
Upfront cash ≈ HK$26.46M (deposit + AVD stamp duty HK$2,072,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,465
−HK$8,370/mo
▼ 0.25% · 3.875%
HK$137,617
−HK$4,218/mo
Today · 4.125%
HK$141,835
baseline
▲ 0.50% · 4.625%
HK$150,465
+HK$8,630/mo
Deposit HK$19.51M · loan HK$29.27M · min. income ≈ HK$283,670/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$2,072,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,479
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$152,461
−HK$4,040/mo
Today · 4.125%
HK$156,501
baseline
▲ 0.50% · 4.625%
HK$164,750
+HK$8,249/mo
Deposit HK$19.51M · loan HK$29.27M · min. income ≈ HK$313,002/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$2,072,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,710
−HK$9,764/mo
▼ 0.25% · 3.875%
HK$160,553
−HK$4,921/mo
Today · 4.125%
HK$165,474
baseline
▲ 0.50% · 4.625%
HK$175,543
+HK$10,069/mo
Deposit HK$14.63M · loan HK$34.14M · min. income ≈ HK$330,948/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$2,072,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,225
−HK$9,359/mo
▼ 0.25% · 3.875%
HK$177,871
−HK$4,713/mo
Today · 4.125%
HK$182,584
baseline
▲ 0.50% · 4.625%
HK$192,208
+HK$9,624/mo
Deposit HK$14.63M · loan HK$34.14M · min. income ≈ HK$365,168/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$2,072,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,198
−HK$12,554/mo
▼ 0.25% · 3.875%
HK$206,425
−HK$6,327/mo
Today · 4.125%
HK$212,752
baseline
▲ 0.50% · 4.625%
HK$225,698
+HK$12,946/mo
Deposit HK$4.88M · loan HK$43.90M · min. income ≈ HK$425,504/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$2,072,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,718
−HK$12,033/mo
▼ 0.25% · 3.875%
HK$228,692
−HK$6,059/mo
Today · 4.125%
HK$234,751
baseline
▲ 0.50% · 4.625%
HK$247,125
+HK$12,374/mo
Deposit HK$4.88M · loan HK$43.90M · min. income ≈ HK$469,502/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$2,072,969 · Scale 2, in force from 26 Feb 2026)