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$111,028
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,482
−HK$3,509/mo
Today · 4.125%
HK$117,991
baseline
▲ 0.50% · 4.625%
HK$125,170
+HK$7,179/mo
Deposit HK$24.35M · loan HK$24.35M · min. income ≈ HK$235,982/mo (50% DSR)
Upfront cash ≈ HK$26.41M (deposit + AVD stamp duty HK$2,069,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,518
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,831
−HK$3,360/mo
Today · 4.125%
HK$130,191
baseline
▲ 0.50% · 4.625%
HK$137,054
+HK$6,863/mo
Deposit HK$24.35M · loan HK$24.35M · min. income ≈ HK$260,382/mo (50% DSR)
Upfront cash ≈ HK$26.41M (deposit + AVD stamp duty HK$2,069,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,234
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$137,378
−HK$4,211/mo
Today · 4.125%
HK$141,589
baseline
▲ 0.50% · 4.625%
HK$150,204
+HK$8,615/mo
Deposit HK$19.48M · loan HK$29.21M · min. income ≈ HK$283,178/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$2,069,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,221
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$152,197
−HK$4,032/mo
Today · 4.125%
HK$156,229
baseline
▲ 0.50% · 4.625%
HK$164,464
+HK$8,235/mo
Deposit HK$19.48M · loan HK$29.21M · min. income ≈ HK$312,458/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$2,069,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,440
−HK$9,747/mo
▼ 0.25% · 3.875%
HK$160,275
−HK$4,912/mo
Today · 4.125%
HK$165,187
baseline
▲ 0.50% · 4.625%
HK$175,238
+HK$10,051/mo
Deposit HK$14.61M · loan HK$34.08M · min. income ≈ HK$330,374/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$2,069,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,925
−HK$9,343/mo
▼ 0.25% · 3.875%
HK$177,563
−HK$4,705/mo
Today · 4.125%
HK$182,268
baseline
▲ 0.50% · 4.625%
HK$191,875
+HK$9,607/mo
Deposit HK$14.61M · loan HK$34.08M · min. income ≈ HK$364,536/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$2,069,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,851
−HK$12,532/mo
▼ 0.25% · 3.875%
HK$206,067
−HK$6,316/mo
Today · 4.125%
HK$212,383
baseline
▲ 0.50% · 4.625%
HK$225,306
+HK$12,923/mo
Deposit HK$4.87M · loan HK$43.82M · min. income ≈ HK$424,766/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,069,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,332
−HK$12,012/mo
▼ 0.25% · 3.875%
HK$228,295
−HK$6,049/mo
Today · 4.125%
HK$234,344
baseline
▲ 0.50% · 4.625%
HK$246,697
+HK$12,353/mo
Deposit HK$4.87M · loan HK$43.82M · min. income ≈ HK$468,688/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,069,375 · Scale 2, in force from 26 Feb 2026)