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$110,966
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,417
−HK$3,507/mo
Today · 4.125%
HK$117,924
baseline
▲ 0.50% · 4.625%
HK$125,099
+HK$7,175/mo
Deposit HK$24.33M · loan HK$24.33M · min. income ≈ HK$235,848/mo (50% DSR)
Upfront cash ≈ HK$26.40M (deposit + AVD stamp duty HK$2,068,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,448
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$126,759
−HK$3,359/mo
Today · 4.125%
HK$130,118
baseline
▲ 0.50% · 4.625%
HK$136,976
+HK$6,858/mo
Deposit HK$24.33M · loan HK$24.33M · min. income ≈ HK$260,236/mo (50% DSR)
Upfront cash ≈ HK$26.40M (deposit + AVD stamp duty HK$2,068,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,159
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$137,301
−HK$4,208/mo
Today · 4.125%
HK$141,509
baseline
▲ 0.50% · 4.625%
HK$150,119
+HK$8,610/mo
Deposit HK$19.47M · loan HK$29.20M · min. income ≈ HK$283,018/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,068,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,138
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,111
−HK$4,030/mo
Today · 4.125%
HK$156,141
baseline
▲ 0.50% · 4.625%
HK$164,371
+HK$8,230/mo
Deposit HK$19.47M · loan HK$29.20M · min. income ≈ HK$312,282/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,068,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,352
−HK$9,742/mo
▼ 0.25% · 3.875%
HK$160,184
−HK$4,910/mo
Today · 4.125%
HK$165,094
baseline
▲ 0.50% · 4.625%
HK$175,139
+HK$10,045/mo
Deposit HK$14.60M · loan HK$34.06M · min. income ≈ HK$330,188/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$2,068,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,827
−HK$9,338/mo
▼ 0.25% · 3.875%
HK$177,462
−HK$4,703/mo
Today · 4.125%
HK$182,165
baseline
▲ 0.50% · 4.625%
HK$191,767
+HK$9,602/mo
Deposit HK$14.60M · loan HK$34.06M · min. income ≈ HK$364,330/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$2,068,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,738
−HK$12,525/mo
▼ 0.25% · 3.875%
HK$205,951
−HK$6,312/mo
Today · 4.125%
HK$212,263
baseline
▲ 0.50% · 4.625%
HK$225,179
+HK$12,916/mo
Deposit HK$4.87M · loan HK$43.80M · min. income ≈ HK$424,526/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,068,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,206
−HK$12,006/mo
▼ 0.25% · 3.875%
HK$228,166
−HK$6,046/mo
Today · 4.125%
HK$234,212
baseline
▲ 0.50% · 4.625%
HK$246,557
+HK$12,345/mo
Deposit HK$4.87M · loan HK$43.80M · min. income ≈ HK$468,424/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,068,204 · Scale 2, in force from 26 Feb 2026)