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$111,226
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,686
−HK$3,515/mo
Today · 4.125%
HK$118,201
baseline
▲ 0.50% · 4.625%
HK$125,394
+HK$7,193/mo
Deposit HK$24.39M · loan HK$24.39M · min. income ≈ HK$236,402/mo (50% DSR)
Upfront cash ≈ HK$26.46M (deposit + AVD stamp duty HK$2,073,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,738
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$127,057
−HK$3,367/mo
Today · 4.125%
HK$130,424
baseline
▲ 0.50% · 4.625%
HK$137,298
+HK$6,874/mo
Deposit HK$24.39M · loan HK$24.39M · min. income ≈ HK$260,848/mo (50% DSR)
Upfront cash ≈ HK$26.46M (deposit + AVD stamp duty HK$2,073,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,472
−HK$8,370/mo
▼ 0.25% · 3.875%
HK$137,624
−HK$4,218/mo
Today · 4.125%
HK$141,842
baseline
▲ 0.50% · 4.625%
HK$150,472
+HK$8,630/mo
Deposit HK$19.51M · loan HK$29.27M · min. income ≈ HK$283,684/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$2,073,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,486
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$152,468
−HK$4,040/mo
Today · 4.125%
HK$156,508
baseline
▲ 0.50% · 4.625%
HK$164,758
+HK$8,250/mo
Deposit HK$19.51M · loan HK$29.27M · min. income ≈ HK$313,016/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$2,073,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,717
−HK$9,765/mo
▼ 0.25% · 3.875%
HK$160,561
−HK$4,921/mo
Today · 4.125%
HK$165,482
baseline
▲ 0.50% · 4.625%
HK$175,551
+HK$10,069/mo
Deposit HK$14.63M · loan HK$34.14M · min. income ≈ HK$330,964/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$2,073,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,234
−HK$9,359/mo
▼ 0.25% · 3.875%
HK$177,880
−HK$4,713/mo
Today · 4.125%
HK$182,593
baseline
▲ 0.50% · 4.625%
HK$192,218
+HK$9,625/mo
Deposit HK$14.63M · loan HK$34.14M · min. income ≈ HK$365,186/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$2,073,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,208
−HK$12,554/mo
▼ 0.25% · 3.875%
HK$206,435
−HK$6,327/mo
Today · 4.125%
HK$212,762
baseline
▲ 0.50% · 4.625%
HK$225,709
+HK$12,947/mo
Deposit HK$4.88M · loan HK$43.90M · min. income ≈ HK$425,524/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$2,073,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,729
−HK$12,033/mo
▼ 0.25% · 3.875%
HK$228,703
−HK$6,059/mo
Today · 4.125%
HK$234,762
baseline
▲ 0.50% · 4.625%
HK$247,137
+HK$12,375/mo
Deposit HK$4.88M · loan HK$43.90M · min. income ≈ HK$469,524/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$2,073,068 · Scale 2, in force from 26 Feb 2026)