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$109,151
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$112,547
−HK$3,449/mo
Today · 4.125%
HK$115,996
baseline
▲ 0.50% · 4.625%
HK$123,054
+HK$7,058/mo
Deposit HK$23.93M · loan HK$23.93M · min. income ≈ HK$231,992/mo (50% DSR)
Upfront cash ≈ HK$25.97M (deposit + AVD stamp duty HK$2,034,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,430
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$124,687
−HK$3,303/mo
Today · 4.125%
HK$127,990
baseline
▲ 0.50% · 4.625%
HK$134,737
+HK$6,747/mo
Deposit HK$23.93M · loan HK$23.93M · min. income ≈ HK$255,980/mo (50% DSR)
Upfront cash ≈ HK$25.97M (deposit + AVD stamp duty HK$2,034,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,982
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$135,056
−HK$4,139/mo
Today · 4.125%
HK$139,195
baseline
▲ 0.50% · 4.625%
HK$147,665
+HK$8,470/mo
Deposit HK$19.15M · loan HK$28.72M · min. income ≈ HK$278,390/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$2,034,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,716
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$149,624
−HK$3,964/mo
Today · 4.125%
HK$153,588
baseline
▲ 0.50% · 4.625%
HK$161,684
+HK$8,096/mo
Deposit HK$19.15M · loan HK$28.72M · min. income ≈ HK$307,176/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$2,034,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,812
−HK$9,583/mo
▼ 0.25% · 3.875%
HK$157,565
−HK$4,830/mo
Today · 4.125%
HK$162,395
baseline
▲ 0.50% · 4.625%
HK$172,276
+HK$9,881/mo
Deposit HK$14.36M · loan HK$33.51M · min. income ≈ HK$324,790/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$2,034,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,002
−HK$9,184/mo
▼ 0.25% · 3.875%
HK$174,561
−HK$4,625/mo
Today · 4.125%
HK$179,186
baseline
▲ 0.50% · 4.625%
HK$188,632
+HK$9,446/mo
Deposit HK$14.36M · loan HK$33.51M · min. income ≈ HK$358,372/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$2,034,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,473
−HK$12,320/mo
▼ 0.25% · 3.875%
HK$202,584
−HK$6,209/mo
Today · 4.125%
HK$208,793
baseline
▲ 0.50% · 4.625%
HK$221,498
+HK$12,705/mo
Deposit HK$4.79M · loan HK$43.08M · min. income ≈ HK$417,586/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,034,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,574
−HK$11,809/mo
▼ 0.25% · 3.875%
HK$224,436
−HK$5,947/mo
Today · 4.125%
HK$230,383
baseline
▲ 0.50% · 4.625%
HK$242,526
+HK$12,143/mo
Deposit HK$4.79M · loan HK$43.08M · min. income ≈ HK$460,766/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,034,392 · Scale 2, in force from 26 Feb 2026)