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$111,127
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,584
−HK$3,512/mo
Today · 4.125%
HK$118,096
baseline
▲ 0.50% · 4.625%
HK$125,281
+HK$7,185/mo
Deposit HK$24.37M · loan HK$24.37M · min. income ≈ HK$236,192/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$2,071,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,628
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,943
−HK$3,364/mo
Today · 4.125%
HK$130,307
baseline
▲ 0.50% · 4.625%
HK$137,175
+HK$6,868/mo
Deposit HK$24.37M · loan HK$24.37M · min. income ≈ HK$260,614/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$2,071,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,352
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$137,500
−HK$4,215/mo
Today · 4.125%
HK$141,715
baseline
▲ 0.50% · 4.625%
HK$150,338
+HK$8,623/mo
Deposit HK$19.49M · loan HK$29.24M · min. income ≈ HK$283,430/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$2,071,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,353
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$152,332
−HK$4,036/mo
Today · 4.125%
HK$156,368
baseline
▲ 0.50% · 4.625%
HK$164,610
+HK$8,242/mo
Deposit HK$19.49M · loan HK$29.24M · min. income ≈ HK$312,736/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$2,071,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,578
−HK$9,756/mo
▼ 0.25% · 3.875%
HK$160,417
−HK$4,917/mo
Today · 4.125%
HK$165,334
baseline
▲ 0.50% · 4.625%
HK$175,394
+HK$10,060/mo
Deposit HK$14.62M · loan HK$34.11M · min. income ≈ HK$330,668/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$2,071,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,079
−HK$9,350/mo
▼ 0.25% · 3.875%
HK$177,720
−HK$4,709/mo
Today · 4.125%
HK$182,429
baseline
▲ 0.50% · 4.625%
HK$192,046
+HK$9,617/mo
Deposit HK$14.62M · loan HK$34.11M · min. income ≈ HK$364,858/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$2,071,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,028
−HK$12,544/mo
▼ 0.25% · 3.875%
HK$206,250
−HK$6,322/mo
Today · 4.125%
HK$212,572
baseline
▲ 0.50% · 4.625%
HK$225,506
+HK$12,934/mo
Deposit HK$4.87M · loan HK$43.86M · min. income ≈ HK$425,144/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,071,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,530
−HK$12,022/mo
▼ 0.25% · 3.875%
HK$228,498
−HK$6,054/mo
Today · 4.125%
HK$234,552
baseline
▲ 0.50% · 4.625%
HK$246,916
+HK$12,364/mo
Deposit HK$4.87M · loan HK$43.86M · min. income ≈ HK$469,104/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,071,212 · Scale 2, in force from 26 Feb 2026)