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$111,107
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,563
−HK$3,511/mo
Today · 4.125%
HK$118,074
baseline
▲ 0.50% · 4.625%
HK$125,258
+HK$7,184/mo
Deposit HK$24.36M · loan HK$24.36M · min. income ≈ HK$236,148/mo (50% DSR)
Upfront cash ≈ HK$26.43M (deposit + AVD stamp duty HK$2,070,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,605
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,920
−HK$3,363/mo
Today · 4.125%
HK$130,283
baseline
▲ 0.50% · 4.625%
HK$137,150
+HK$6,867/mo
Deposit HK$24.36M · loan HK$24.36M · min. income ≈ HK$260,566/mo (50% DSR)
Upfront cash ≈ HK$26.43M (deposit + AVD stamp duty HK$2,070,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,328
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$137,475
−HK$4,214/mo
Today · 4.125%
HK$141,689
baseline
▲ 0.50% · 4.625%
HK$150,310
+HK$8,621/mo
Deposit HK$19.49M · loan HK$29.24M · min. income ≈ HK$283,378/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$2,070,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,326
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$152,304
−HK$4,036/mo
Today · 4.125%
HK$156,340
baseline
▲ 0.50% · 4.625%
HK$164,580
+HK$8,240/mo
Deposit HK$19.49M · loan HK$29.24M · min. income ≈ HK$312,680/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$2,070,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,549
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$160,388
−HK$4,916/mo
Today · 4.125%
HK$165,304
baseline
▲ 0.50% · 4.625%
HK$175,362
+HK$10,058/mo
Deposit HK$14.62M · loan HK$34.11M · min. income ≈ HK$330,608/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$2,070,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,047
−HK$9,349/mo
▼ 0.25% · 3.875%
HK$177,688
−HK$4,708/mo
Today · 4.125%
HK$182,396
baseline
▲ 0.50% · 4.625%
HK$192,010
+HK$9,614/mo
Deposit HK$14.62M · loan HK$34.11M · min. income ≈ HK$364,792/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$2,070,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,992
−HK$12,541/mo
▼ 0.25% · 3.875%
HK$206,213
−HK$6,320/mo
Today · 4.125%
HK$212,533
baseline
▲ 0.50% · 4.625%
HK$225,465
+HK$12,932/mo
Deposit HK$4.87M · loan HK$43.85M · min. income ≈ HK$425,066/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,070,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,489
−HK$12,020/mo
▼ 0.25% · 3.875%
HK$228,456
−HK$6,053/mo
Today · 4.125%
HK$234,509
baseline
▲ 0.50% · 4.625%
HK$246,871
+HK$12,362/mo
Deposit HK$4.87M · loan HK$43.85M · min. income ≈ HK$469,018/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,070,833 · Scale 2, in force from 26 Feb 2026)