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$110,628
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,069
−HK$3,496/mo
Today · 4.125%
HK$117,565
baseline
▲ 0.50% · 4.625%
HK$124,719
+HK$7,154/mo
Deposit HK$24.26M · loan HK$24.26M · min. income ≈ HK$235,130/mo (50% DSR)
Upfront cash ≈ HK$26.32M (deposit + AVD stamp duty HK$2,061,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,072
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$126,373
−HK$3,349/mo
Today · 4.125%
HK$129,722
baseline
▲ 0.50% · 4.625%
HK$136,559
+HK$6,837/mo
Deposit HK$24.26M · loan HK$24.26M · min. income ≈ HK$259,444/mo (50% DSR)
Upfront cash ≈ HK$26.32M (deposit + AVD stamp duty HK$2,061,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,753
−HK$8,325/mo
▼ 0.25% · 3.875%
HK$136,883
−HK$4,195/mo
Today · 4.125%
HK$141,078
baseline
▲ 0.50% · 4.625%
HK$149,662
+HK$8,584/mo
Deposit HK$19.41M · loan HK$29.11M · min. income ≈ HK$282,156/mo (50% DSR)
Upfront cash ≈ HK$21.47M (deposit + AVD stamp duty HK$2,061,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,687
−HK$7,979/mo
▼ 0.25% · 3.875%
HK$151,648
−HK$4,018/mo
Today · 4.125%
HK$155,666
baseline
▲ 0.50% · 4.625%
HK$163,871
+HK$8,205/mo
Deposit HK$19.41M · loan HK$29.11M · min. income ≈ HK$311,332/mo (50% DSR)
Upfront cash ≈ HK$21.47M (deposit + AVD stamp duty HK$2,061,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,879
−HK$9,712/mo
▼ 0.25% · 3.875%
HK$159,697
−HK$4,894/mo
Today · 4.125%
HK$164,591
baseline
▲ 0.50% · 4.625%
HK$174,606
+HK$10,015/mo
Deposit HK$14.55M · loan HK$33.96M · min. income ≈ HK$329,182/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$2,061,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,301
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$176,922
−HK$4,688/mo
Today · 4.125%
HK$181,610
baseline
▲ 0.50% · 4.625%
HK$191,183
+HK$9,573/mo
Deposit HK$14.55M · loan HK$33.96M · min. income ≈ HK$363,220/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$2,061,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,130
−HK$12,487/mo
▼ 0.25% · 3.875%
HK$205,324
−HK$6,293/mo
Today · 4.125%
HK$211,617
baseline
▲ 0.50% · 4.625%
HK$224,494
+HK$12,877/mo
Deposit HK$4.85M · loan HK$43.66M · min. income ≈ HK$423,234/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,061,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,530
−HK$11,969/mo
▼ 0.25% · 3.875%
HK$227,472
−HK$6,027/mo
Today · 4.125%
HK$233,499
baseline
▲ 0.50% · 4.625%
HK$245,807
+HK$12,308/mo
Deposit HK$4.85M · loan HK$43.66M · min. income ≈ HK$466,998/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,061,910 · Scale 2, in force from 26 Feb 2026)