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$109,395
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$112,798
−HK$3,457/mo
Today · 4.125%
HK$116,255
baseline
▲ 0.50% · 4.625%
HK$123,329
+HK$7,074/mo
Deposit HK$23.99M · loan HK$23.99M · min. income ≈ HK$232,510/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$2,038,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,701
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,965
−HK$3,311/mo
Today · 4.125%
HK$128,276
baseline
▲ 0.50% · 4.625%
HK$135,038
+HK$6,762/mo
Deposit HK$23.99M · loan HK$23.99M · min. income ≈ HK$256,552/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$2,038,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,274
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$135,357
−HK$4,149/mo
Today · 4.125%
HK$139,506
baseline
▲ 0.50% · 4.625%
HK$147,995
+HK$8,489/mo
Deposit HK$19.19M · loan HK$28.78M · min. income ≈ HK$279,012/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$2,038,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,041
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$149,958
−HK$3,973/mo
Today · 4.125%
HK$153,931
baseline
▲ 0.50% · 4.625%
HK$162,045
+HK$8,114/mo
Deposit HK$19.19M · loan HK$28.78M · min. income ≈ HK$307,862/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$2,038,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,153
−HK$9,604/mo
▼ 0.25% · 3.875%
HK$157,917
−HK$4,840/mo
Today · 4.125%
HK$162,757
baseline
▲ 0.50% · 4.625%
HK$172,660
+HK$9,903/mo
Deposit HK$14.39M · loan HK$33.58M · min. income ≈ HK$325,514/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,381
−HK$9,205/mo
▼ 0.25% · 3.875%
HK$174,951
−HK$4,635/mo
Today · 4.125%
HK$179,586
baseline
▲ 0.50% · 4.625%
HK$189,053
+HK$9,467/mo
Deposit HK$14.39M · loan HK$33.58M · min. income ≈ HK$359,172/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,911
−HK$12,348/mo
▼ 0.25% · 3.875%
HK$203,036
−HK$6,223/mo
Today · 4.125%
HK$209,259
baseline
▲ 0.50% · 4.625%
HK$221,992
+HK$12,733/mo
Deposit HK$4.80M · loan HK$43.18M · min. income ≈ HK$418,518/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,038,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,061
−HK$11,836/mo
▼ 0.25% · 3.875%
HK$224,937
−HK$5,960/mo
Today · 4.125%
HK$230,897
baseline
▲ 0.50% · 4.625%
HK$243,068
+HK$12,171/mo
Deposit HK$4.80M · loan HK$43.18M · min. income ≈ HK$461,794/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,038,932 · Scale 2, in force from 26 Feb 2026)