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$110,530
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$113,968
−HK$3,493/mo
Today · 4.125%
HK$117,461
baseline
▲ 0.50% · 4.625%
HK$124,608
+HK$7,147/mo
Deposit HK$24.24M · loan HK$24.24M · min. income ≈ HK$234,922/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$2,060,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,963
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,261
−HK$3,346/mo
Today · 4.125%
HK$129,607
baseline
▲ 0.50% · 4.625%
HK$136,438
+HK$6,831/mo
Deposit HK$24.24M · loan HK$24.24M · min. income ≈ HK$259,214/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$2,060,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,636
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$136,761
−HK$4,192/mo
Today · 4.125%
HK$140,953
baseline
▲ 0.50% · 4.625%
HK$149,530
+HK$8,577/mo
Deposit HK$19.39M · loan HK$29.08M · min. income ≈ HK$281,906/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,060,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,556
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$151,513
−HK$4,015/mo
Today · 4.125%
HK$155,528
baseline
▲ 0.50% · 4.625%
HK$163,726
+HK$8,198/mo
Deposit HK$19.39M · loan HK$29.08M · min. income ≈ HK$311,056/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,060,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,742
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$159,555
−HK$4,890/mo
Today · 4.125%
HK$164,445
baseline
▲ 0.50% · 4.625%
HK$174,452
+HK$10,007/mo
Deposit HK$14.54M · loan HK$33.93M · min. income ≈ HK$328,890/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,060,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,149
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$176,766
−HK$4,683/mo
Today · 4.125%
HK$181,449
baseline
▲ 0.50% · 4.625%
HK$191,014
+HK$9,565/mo
Deposit HK$14.54M · loan HK$33.93M · min. income ≈ HK$362,898/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,060,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,954
−HK$12,476/mo
▼ 0.25% · 3.875%
HK$205,142
−HK$6,288/mo
Today · 4.125%
HK$211,430
baseline
▲ 0.50% · 4.625%
HK$224,295
+HK$12,865/mo
Deposit HK$4.85M · loan HK$43.63M · min. income ≈ HK$422,860/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,060,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,334
−HK$11,958/mo
▼ 0.25% · 3.875%
HK$227,270
−HK$6,022/mo
Today · 4.125%
HK$233,292
baseline
▲ 0.50% · 4.625%
HK$245,589
+HK$12,297/mo
Deposit HK$4.85M · loan HK$43.63M · min. income ≈ HK$466,584/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,060,083 · Scale 2, in force from 26 Feb 2026)