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$111,027
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,480
−HK$3,509/mo
Today · 4.125%
HK$117,989
baseline
▲ 0.50% · 4.625%
HK$125,168
+HK$7,179/mo
Deposit HK$24.35M · loan HK$24.35M · min. income ≈ HK$235,978/mo (50% DSR)
Upfront cash ≈ HK$26.41M (deposit + AVD stamp duty HK$2,069,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,516
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,829
−HK$3,360/mo
Today · 4.125%
HK$130,189
baseline
▲ 0.50% · 4.625%
HK$137,052
+HK$6,863/mo
Deposit HK$24.35M · loan HK$24.35M · min. income ≈ HK$260,378/mo (50% DSR)
Upfront cash ≈ HK$26.41M (deposit + AVD stamp duty HK$2,069,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,232
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$137,376
−HK$4,211/mo
Today · 4.125%
HK$141,587
baseline
▲ 0.50% · 4.625%
HK$150,202
+HK$8,615/mo
Deposit HK$19.48M · loan HK$29.21M · min. income ≈ HK$283,174/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$2,069,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,219
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$152,194
−HK$4,033/mo
Today · 4.125%
HK$156,227
baseline
▲ 0.50% · 4.625%
HK$164,462
+HK$8,235/mo
Deposit HK$19.48M · loan HK$29.21M · min. income ≈ HK$312,454/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$2,069,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,437
−HK$9,748/mo
▼ 0.25% · 3.875%
HK$160,272
−HK$4,913/mo
Today · 4.125%
HK$165,185
baseline
▲ 0.50% · 4.625%
HK$175,236
+HK$10,051/mo
Deposit HK$14.61M · loan HK$34.08M · min. income ≈ HK$330,370/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$2,069,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,922
−HK$9,343/mo
▼ 0.25% · 3.875%
HK$177,560
−HK$4,705/mo
Today · 4.125%
HK$182,265
baseline
▲ 0.50% · 4.625%
HK$191,872
+HK$9,607/mo
Deposit HK$14.61M · loan HK$34.08M · min. income ≈ HK$364,530/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$2,069,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,848
−HK$12,532/mo
▼ 0.25% · 3.875%
HK$206,064
−HK$6,316/mo
Today · 4.125%
HK$212,380
baseline
▲ 0.50% · 4.625%
HK$225,303
+HK$12,923/mo
Deposit HK$4.87M · loan HK$43.82M · min. income ≈ HK$424,760/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,069,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,329
−HK$12,012/mo
▼ 0.25% · 3.875%
HK$228,292
−HK$6,049/mo
Today · 4.125%
HK$234,341
baseline
▲ 0.50% · 4.625%
HK$246,693
+HK$12,352/mo
Deposit HK$4.87M · loan HK$43.82M · min. income ≈ HK$468,682/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,069,344 · Scale 2, in force from 26 Feb 2026)