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$111,424
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$114,890
−HK$3,521/mo
Today · 4.125%
HK$118,411
baseline
▲ 0.50% · 4.625%
HK$125,616
+HK$7,205/mo
Deposit HK$24.43M · loan HK$24.43M · min. income ≈ HK$236,822/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,076,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,958
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,283
−HK$3,372/mo
Today · 4.125%
HK$130,655
baseline
▲ 0.50% · 4.625%
HK$137,542
+HK$6,887/mo
Deposit HK$24.43M · loan HK$24.43M · min. income ≈ HK$261,310/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,076,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,709
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$137,868
−HK$4,226/mo
Today · 4.125%
HK$142,094
baseline
▲ 0.50% · 4.625%
HK$150,740
+HK$8,646/mo
Deposit HK$19.55M · loan HK$29.32M · min. income ≈ HK$284,188/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$2,076,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,750
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$152,739
−HK$4,047/mo
Today · 4.125%
HK$156,786
baseline
▲ 0.50% · 4.625%
HK$165,051
+HK$8,265/mo
Deposit HK$19.55M · loan HK$29.32M · min. income ≈ HK$313,572/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$2,076,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,994
−HK$9,782/mo
▼ 0.25% · 3.875%
HK$160,846
−HK$4,930/mo
Today · 4.125%
HK$165,776
baseline
▲ 0.50% · 4.625%
HK$175,863
+HK$10,087/mo
Deposit HK$14.66M · loan HK$34.21M · min. income ≈ HK$331,552/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$2,076,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,542
−HK$9,375/mo
▼ 0.25% · 3.875%
HK$178,196
−HK$4,721/mo
Today · 4.125%
HK$182,917
baseline
▲ 0.50% · 4.625%
HK$192,559
+HK$9,642/mo
Deposit HK$14.66M · loan HK$34.21M · min. income ≈ HK$365,834/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$2,076,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,563
−HK$12,578/mo
▼ 0.25% · 3.875%
HK$206,802
−HK$6,339/mo
Today · 4.125%
HK$213,141
baseline
▲ 0.50% · 4.625%
HK$226,110
+HK$12,969/mo
Deposit HK$4.89M · loan HK$43.98M · min. income ≈ HK$426,282/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,076,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,125
−HK$12,055/mo
▼ 0.25% · 3.875%
HK$229,109
−HK$6,071/mo
Today · 4.125%
HK$235,180
baseline
▲ 0.50% · 4.625%
HK$247,576
+HK$12,396/mo
Deposit HK$4.89M · loan HK$43.98M · min. income ≈ HK$470,360/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,076,752 · Scale 2, in force from 26 Feb 2026)