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$110,750
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,195
−HK$3,500/mo
Today · 4.125%
HK$117,695
baseline
▲ 0.50% · 4.625%
HK$124,856
+HK$7,161/mo
Deposit HK$24.28M · loan HK$24.28M · min. income ≈ HK$235,390/mo (50% DSR)
Upfront cash ≈ HK$26.35M (deposit + AVD stamp duty HK$2,064,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,208
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$126,512
−HK$3,352/mo
Today · 4.125%
HK$129,864
baseline
▲ 0.50% · 4.625%
HK$136,710
+HK$6,846/mo
Deposit HK$24.28M · loan HK$24.28M · min. income ≈ HK$259,728/mo (50% DSR)
Upfront cash ≈ HK$26.35M (deposit + AVD stamp duty HK$2,064,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,900
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$137,033
−HK$4,201/mo
Today · 4.125%
HK$141,234
baseline
▲ 0.50% · 4.625%
HK$149,827
+HK$8,593/mo
Deposit HK$19.43M · loan HK$29.14M · min. income ≈ HK$282,468/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$2,064,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,849
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$151,815
−HK$4,022/mo
Today · 4.125%
HK$155,837
baseline
▲ 0.50% · 4.625%
HK$164,052
+HK$8,215/mo
Deposit HK$19.43M · loan HK$29.14M · min. income ≈ HK$311,674/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$2,064,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,049
−HK$9,723/mo
▼ 0.25% · 3.875%
HK$159,872
−HK$4,900/mo
Today · 4.125%
HK$164,772
baseline
▲ 0.50% · 4.625%
HK$174,798
+HK$10,026/mo
Deposit HK$14.57M · loan HK$34.00M · min. income ≈ HK$329,544/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$2,064,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,491
−HK$9,319/mo
▼ 0.25% · 3.875%
HK$177,117
−HK$4,693/mo
Today · 4.125%
HK$181,810
baseline
▲ 0.50% · 4.625%
HK$191,394
+HK$9,584/mo
Deposit HK$14.57M · loan HK$34.00M · min. income ≈ HK$363,620/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$2,064,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,349
−HK$12,501/mo
▼ 0.25% · 3.875%
HK$205,550
−HK$6,300/mo
Today · 4.125%
HK$211,850
baseline
▲ 0.50% · 4.625%
HK$224,741
+HK$12,891/mo
Deposit HK$4.86M · loan HK$43.71M · min. income ≈ HK$423,700/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,774
−HK$11,982/mo
▼ 0.25% · 3.875%
HK$227,722
−HK$6,034/mo
Today · 4.125%
HK$233,756
baseline
▲ 0.50% · 4.625%
HK$246,078
+HK$12,322/mo
Deposit HK$4.86M · loan HK$43.71M · min. income ≈ HK$467,512/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,180 · Scale 2, in force from 26 Feb 2026)