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$109,108
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$112,502
−HK$3,448/mo
Today · 4.125%
HK$115,950
baseline
▲ 0.50% · 4.625%
HK$123,005
+HK$7,055/mo
Deposit HK$23.92M · loan HK$23.92M · min. income ≈ HK$231,900/mo (50% DSR)
Upfront cash ≈ HK$25.96M (deposit + AVD stamp duty HK$2,033,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,381
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$124,637
−HK$3,302/mo
Today · 4.125%
HK$127,939
baseline
▲ 0.50% · 4.625%
HK$134,683
+HK$6,744/mo
Deposit HK$23.92M · loan HK$23.92M · min. income ≈ HK$255,878/mo (50% DSR)
Upfront cash ≈ HK$25.96M (deposit + AVD stamp duty HK$2,033,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,929
−HK$8,211/mo
▼ 0.25% · 3.875%
HK$135,002
−HK$4,138/mo
Today · 4.125%
HK$139,140
baseline
▲ 0.50% · 4.625%
HK$147,606
+HK$8,466/mo
Deposit HK$19.14M · loan HK$28.71M · min. income ≈ HK$278,280/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$2,033,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,658
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,564
−HK$3,963/mo
Today · 4.125%
HK$153,527
baseline
▲ 0.50% · 4.625%
HK$161,620
+HK$8,093/mo
Deposit HK$19.14M · loan HK$28.71M · min. income ≈ HK$307,054/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$2,033,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,751
−HK$9,579/mo
▼ 0.25% · 3.875%
HK$157,502
−HK$4,828/mo
Today · 4.125%
HK$162,330
baseline
▲ 0.50% · 4.625%
HK$172,207
+HK$9,877/mo
Deposit HK$14.35M · loan HK$33.49M · min. income ≈ HK$324,660/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$2,033,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,934
−HK$9,181/mo
▼ 0.25% · 3.875%
HK$174,491
−HK$4,624/mo
Today · 4.125%
HK$179,115
baseline
▲ 0.50% · 4.625%
HK$188,556
+HK$9,441/mo
Deposit HK$14.35M · loan HK$33.49M · min. income ≈ HK$358,230/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$2,033,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,394
−HK$12,316/mo
▼ 0.25% · 3.875%
HK$202,503
−HK$6,207/mo
Today · 4.125%
HK$208,710
baseline
▲ 0.50% · 4.625%
HK$221,409
+HK$12,699/mo
Deposit HK$4.78M · loan HK$43.06M · min. income ≈ HK$417,420/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,033,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,487
−HK$11,804/mo
▼ 0.25% · 3.875%
HK$224,346
−HK$5,945/mo
Today · 4.125%
HK$230,291
baseline
▲ 0.50% · 4.625%
HK$242,430
+HK$12,139/mo
Deposit HK$4.78M · loan HK$43.06M · min. income ≈ HK$460,582/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,033,580 · Scale 2, in force from 26 Feb 2026)