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$111,361
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$114,825
−HK$3,519/mo
Today · 4.125%
HK$118,344
baseline
▲ 0.50% · 4.625%
HK$125,545
+HK$7,201/mo
Deposit HK$24.42M · loan HK$24.42M · min. income ≈ HK$236,688/mo (50% DSR)
Upfront cash ≈ HK$26.49M (deposit + AVD stamp duty HK$2,075,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,888
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$127,211
−HK$3,370/mo
Today · 4.125%
HK$130,581
baseline
▲ 0.50% · 4.625%
HK$137,465
+HK$6,884/mo
Deposit HK$24.42M · loan HK$24.42M · min. income ≈ HK$261,162/mo (50% DSR)
Upfront cash ≈ HK$26.49M (deposit + AVD stamp duty HK$2,075,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,633
−HK$8,380/mo
▼ 0.25% · 3.875%
HK$137,790
−HK$4,223/mo
Today · 4.125%
HK$142,013
baseline
▲ 0.50% · 4.625%
HK$150,654
+HK$8,641/mo
Deposit HK$19.53M · loan HK$29.30M · min. income ≈ HK$284,026/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$2,075,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,666
−HK$8,032/mo
▼ 0.25% · 3.875%
HK$152,653
−HK$4,045/mo
Today · 4.125%
HK$156,698
baseline
▲ 0.50% · 4.625%
HK$164,957
+HK$8,259/mo
Deposit HK$19.53M · loan HK$29.30M · min. income ≈ HK$313,396/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$2,075,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,906
−HK$9,776/mo
▼ 0.25% · 3.875%
HK$160,755
−HK$4,927/mo
Today · 4.125%
HK$165,682
baseline
▲ 0.50% · 4.625%
HK$175,764
+HK$10,082/mo
Deposit HK$14.65M · loan HK$34.19M · min. income ≈ HK$331,364/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$2,075,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,443
−HK$9,371/mo
▼ 0.25% · 3.875%
HK$178,095
−HK$4,719/mo
Today · 4.125%
HK$182,814
baseline
▲ 0.50% · 4.625%
HK$192,450
+HK$9,636/mo
Deposit HK$14.65M · loan HK$34.19M · min. income ≈ HK$365,628/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$2,075,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,450
−HK$12,570/mo
▼ 0.25% · 3.875%
HK$206,685
−HK$6,335/mo
Today · 4.125%
HK$213,020
baseline
▲ 0.50% · 4.625%
HK$225,982
+HK$12,962/mo
Deposit HK$4.88M · loan HK$43.95M · min. income ≈ HK$426,040/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,075,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,999
−HK$12,048/mo
▼ 0.25% · 3.875%
HK$228,979
−HK$6,068/mo
Today · 4.125%
HK$235,047
baseline
▲ 0.50% · 4.625%
HK$247,436
+HK$12,389/mo
Deposit HK$4.88M · loan HK$43.95M · min. income ≈ HK$470,094/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,075,577 · Scale 2, in force from 26 Feb 2026)