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$110,940
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,390
−HK$3,506/mo
Today · 4.125%
HK$117,896
baseline
▲ 0.50% · 4.625%
HK$125,070
+HK$7,174/mo
Deposit HK$24.33M · loan HK$24.33M · min. income ≈ HK$235,792/mo (50% DSR)
Upfront cash ≈ HK$26.39M (deposit + AVD stamp duty HK$2,067,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,419
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$126,729
−HK$3,358/mo
Today · 4.125%
HK$130,087
baseline
▲ 0.50% · 4.625%
HK$136,944
+HK$6,857/mo
Deposit HK$24.33M · loan HK$24.33M · min. income ≈ HK$260,174/mo (50% DSR)
Upfront cash ≈ HK$26.39M (deposit + AVD stamp duty HK$2,067,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,128
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,269
−HK$4,207/mo
Today · 4.125%
HK$141,476
baseline
▲ 0.50% · 4.625%
HK$150,084
+HK$8,608/mo
Deposit HK$19.46M · loan HK$29.19M · min. income ≈ HK$282,952/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,067,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,103
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,075
−HK$4,030/mo
Today · 4.125%
HK$156,105
baseline
▲ 0.50% · 4.625%
HK$164,333
+HK$8,228/mo
Deposit HK$19.46M · loan HK$29.19M · min. income ≈ HK$312,210/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,067,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,315
−HK$9,740/mo
▼ 0.25% · 3.875%
HK$160,147
−HK$4,908/mo
Today · 4.125%
HK$165,055
baseline
▲ 0.50% · 4.625%
HK$175,098
+HK$10,043/mo
Deposit HK$14.60M · loan HK$34.06M · min. income ≈ HK$330,110/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$2,067,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,787
−HK$9,335/mo
▼ 0.25% · 3.875%
HK$177,421
−HK$4,701/mo
Today · 4.125%
HK$182,122
baseline
▲ 0.50% · 4.625%
HK$191,722
+HK$9,600/mo
Deposit HK$14.60M · loan HK$34.06M · min. income ≈ HK$364,244/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$2,067,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,691
−HK$12,523/mo
▼ 0.25% · 3.875%
HK$205,903
−HK$6,311/mo
Today · 4.125%
HK$212,214
baseline
▲ 0.50% · 4.625%
HK$225,126
+HK$12,912/mo
Deposit HK$4.87M · loan HK$43.79M · min. income ≈ HK$424,428/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,067,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,155
−HK$12,002/mo
▼ 0.25% · 3.875%
HK$228,113
−HK$6,044/mo
Today · 4.125%
HK$234,157
baseline
▲ 0.50% · 4.625%
HK$246,500
+HK$12,343/mo
Deposit HK$4.87M · loan HK$43.79M · min. income ≈ HK$468,314/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,067,721 · Scale 2, in force from 26 Feb 2026)