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$110,813
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,260
−HK$3,502/mo
Today · 4.125%
HK$117,762
baseline
▲ 0.50% · 4.625%
HK$124,928
+HK$7,166/mo
Deposit HK$24.30M · loan HK$24.30M · min. income ≈ HK$235,524/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,065,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,279
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,585
−HK$3,354/mo
Today · 4.125%
HK$129,939
baseline
▲ 0.50% · 4.625%
HK$136,789
+HK$6,850/mo
Deposit HK$24.30M · loan HK$24.30M · min. income ≈ HK$259,878/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,065,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,976
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$137,112
−HK$4,203/mo
Today · 4.125%
HK$141,315
baseline
▲ 0.50% · 4.625%
HK$149,914
+HK$8,599/mo
Deposit HK$19.44M · loan HK$29.16M · min. income ≈ HK$282,630/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,065,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,935
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$151,902
−HK$4,025/mo
Today · 4.125%
HK$155,927
baseline
▲ 0.50% · 4.625%
HK$164,146
+HK$8,219/mo
Deposit HK$19.44M · loan HK$29.16M · min. income ≈ HK$311,854/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,065,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,139
−HK$9,728/mo
▼ 0.25% · 3.875%
HK$159,965
−HK$4,902/mo
Today · 4.125%
HK$164,867
baseline
▲ 0.50% · 4.625%
HK$174,899
+HK$10,032/mo
Deposit HK$14.58M · loan HK$34.02M · min. income ≈ HK$329,734/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,065,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,590
−HK$9,325/mo
▼ 0.25% · 3.875%
HK$177,219
−HK$4,696/mo
Today · 4.125%
HK$181,915
baseline
▲ 0.50% · 4.625%
HK$191,504
+HK$9,589/mo
Deposit HK$14.58M · loan HK$34.02M · min. income ≈ HK$363,830/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,065,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,464
−HK$12,508/mo
▼ 0.25% · 3.875%
HK$205,669
−HK$6,303/mo
Today · 4.125%
HK$211,972
baseline
▲ 0.50% · 4.625%
HK$224,870
+HK$12,898/mo
Deposit HK$4.86M · loan HK$43.74M · min. income ≈ HK$423,944/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,065,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,902
−HK$11,989/mo
▼ 0.25% · 3.875%
HK$227,853
−HK$6,038/mo
Today · 4.125%
HK$233,891
baseline
▲ 0.50% · 4.625%
HK$246,219
+HK$12,328/mo
Deposit HK$4.86M · loan HK$43.74M · min. income ≈ HK$467,782/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,065,370 · Scale 2, in force from 26 Feb 2026)