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$110,751
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,196
−HK$3,500/mo
Today · 4.125%
HK$117,696
baseline
▲ 0.50% · 4.625%
HK$124,858
+HK$7,162/mo
Deposit HK$24.28M · loan HK$24.28M · min. income ≈ HK$235,392/mo (50% DSR)
Upfront cash ≈ HK$26.35M (deposit + AVD stamp duty HK$2,064,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,210
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$126,514
−HK$3,352/mo
Today · 4.125%
HK$129,866
baseline
▲ 0.50% · 4.625%
HK$136,712
+HK$6,846/mo
Deposit HK$24.28M · loan HK$24.28M · min. income ≈ HK$259,732/mo (50% DSR)
Upfront cash ≈ HK$26.35M (deposit + AVD stamp duty HK$2,064,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,902
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$137,036
−HK$4,200/mo
Today · 4.125%
HK$141,236
baseline
▲ 0.50% · 4.625%
HK$149,830
+HK$8,594/mo
Deposit HK$19.43M · loan HK$29.14M · min. income ≈ HK$282,472/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$2,064,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,852
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$151,817
−HK$4,023/mo
Today · 4.125%
HK$155,840
baseline
▲ 0.50% · 4.625%
HK$164,054
+HK$8,214/mo
Deposit HK$19.43M · loan HK$29.14M · min. income ≈ HK$311,680/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$2,064,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,052
−HK$9,723/mo
▼ 0.25% · 3.875%
HK$159,875
−HK$4,900/mo
Today · 4.125%
HK$164,775
baseline
▲ 0.50% · 4.625%
HK$174,801
+HK$10,026/mo
Deposit HK$14.57M · loan HK$34.00M · min. income ≈ HK$329,550/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,494
−HK$9,319/mo
▼ 0.25% · 3.875%
HK$177,120
−HK$4,693/mo
Today · 4.125%
HK$181,813
baseline
▲ 0.50% · 4.625%
HK$191,397
+HK$9,584/mo
Deposit HK$14.57M · loan HK$34.00M · min. income ≈ HK$363,626/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,352
−HK$12,502/mo
▼ 0.25% · 3.875%
HK$205,553
−HK$6,301/mo
Today · 4.125%
HK$211,854
baseline
▲ 0.50% · 4.625%
HK$224,744
+HK$12,890/mo
Deposit HK$4.86M · loan HK$43.71M · min. income ≈ HK$423,708/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,778
−HK$11,982/mo
▼ 0.25% · 3.875%
HK$227,726
−HK$6,034/mo
Today · 4.125%
HK$233,760
baseline
▲ 0.50% · 4.625%
HK$246,081
+HK$12,321/mo
Deposit HK$4.86M · loan HK$43.71M · min. income ≈ HK$467,520/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,212 · Scale 2, in force from 26 Feb 2026)