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$110,964
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,416
−HK$3,506/mo
Today · 4.125%
HK$117,922
baseline
▲ 0.50% · 4.625%
HK$125,098
+HK$7,176/mo
Deposit HK$24.33M · loan HK$24.33M · min. income ≈ HK$235,844/mo (50% DSR)
Upfront cash ≈ HK$26.40M (deposit + AVD stamp duty HK$2,068,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,446
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$126,757
−HK$3,359/mo
Today · 4.125%
HK$130,116
baseline
▲ 0.50% · 4.625%
HK$136,974
+HK$6,858/mo
Deposit HK$24.33M · loan HK$24.33M · min. income ≈ HK$260,232/mo (50% DSR)
Upfront cash ≈ HK$26.40M (deposit + AVD stamp duty HK$2,068,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,157
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$137,299
−HK$4,208/mo
Today · 4.125%
HK$141,507
baseline
▲ 0.50% · 4.625%
HK$150,117
+HK$8,610/mo
Deposit HK$19.47M · loan HK$29.20M · min. income ≈ HK$283,014/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,068,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,136
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,109
−HK$4,030/mo
Today · 4.125%
HK$156,139
baseline
▲ 0.50% · 4.625%
HK$164,369
+HK$8,230/mo
Deposit HK$19.47M · loan HK$29.20M · min. income ≈ HK$312,278/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,068,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,350
−HK$9,741/mo
▼ 0.25% · 3.875%
HK$160,182
−HK$4,909/mo
Today · 4.125%
HK$165,091
baseline
▲ 0.50% · 4.625%
HK$175,137
+HK$10,046/mo
Deposit HK$14.60M · loan HK$34.06M · min. income ≈ HK$330,182/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$2,068,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,825
−HK$9,337/mo
▼ 0.25% · 3.875%
HK$177,460
−HK$4,702/mo
Today · 4.125%
HK$182,162
baseline
▲ 0.50% · 4.625%
HK$191,764
+HK$9,602/mo
Deposit HK$14.60M · loan HK$34.06M · min. income ≈ HK$364,324/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$2,068,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,735
−HK$12,525/mo
▼ 0.25% · 3.875%
HK$205,948
−HK$6,312/mo
Today · 4.125%
HK$212,260
baseline
▲ 0.50% · 4.625%
HK$225,176
+HK$12,916/mo
Deposit HK$4.87M · loan HK$43.80M · min. income ≈ HK$424,520/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,068,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,203
−HK$12,005/mo
▼ 0.25% · 3.875%
HK$228,163
−HK$6,045/mo
Today · 4.125%
HK$234,208
baseline
▲ 0.50% · 4.625%
HK$246,554
+HK$12,346/mo
Deposit HK$4.87M · loan HK$43.80M · min. income ≈ HK$468,416/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,068,175 · Scale 2, in force from 26 Feb 2026)