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$110,931
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,382
−HK$3,505/mo
Today · 4.125%
HK$117,887
baseline
▲ 0.50% · 4.625%
HK$125,061
+HK$7,174/mo
Deposit HK$24.32M · loan HK$24.32M · min. income ≈ HK$235,774/mo (50% DSR)
Upfront cash ≈ HK$26.39M (deposit + AVD stamp duty HK$2,067,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,410
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,720
−HK$3,357/mo
Today · 4.125%
HK$130,077
baseline
▲ 0.50% · 4.625%
HK$136,934
+HK$6,857/mo
Deposit HK$24.32M · loan HK$24.32M · min. income ≈ HK$260,154/mo (50% DSR)
Upfront cash ≈ HK$26.39M (deposit + AVD stamp duty HK$2,067,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,117
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,258
−HK$4,207/mo
Today · 4.125%
HK$141,465
baseline
▲ 0.50% · 4.625%
HK$150,073
+HK$8,608/mo
Deposit HK$19.46M · loan HK$29.19M · min. income ≈ HK$282,930/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,067,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,092
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$152,063
−HK$4,030/mo
Today · 4.125%
HK$156,093
baseline
▲ 0.50% · 4.625%
HK$164,320
+HK$8,227/mo
Deposit HK$19.46M · loan HK$29.19M · min. income ≈ HK$312,186/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,067,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,304
−HK$9,738/mo
▼ 0.25% · 3.875%
HK$160,134
−HK$4,908/mo
Today · 4.125%
HK$165,042
baseline
▲ 0.50% · 4.625%
HK$175,085
+HK$10,043/mo
Deposit HK$14.59M · loan HK$34.05M · min. income ≈ HK$330,084/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$2,067,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,774
−HK$9,334/mo
▼ 0.25% · 3.875%
HK$177,407
−HK$4,701/mo
Today · 4.125%
HK$182,108
baseline
▲ 0.50% · 4.625%
HK$191,707
+HK$9,599/mo
Deposit HK$14.59M · loan HK$34.05M · min. income ≈ HK$364,216/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$2,067,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,676
−HK$12,521/mo
▼ 0.25% · 3.875%
HK$205,887
−HK$6,310/mo
Today · 4.125%
HK$212,197
baseline
▲ 0.50% · 4.625%
HK$225,109
+HK$12,912/mo
Deposit HK$4.86M · loan HK$43.78M · min. income ≈ HK$424,394/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,067,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,138
−HK$12,001/mo
▼ 0.25% · 3.875%
HK$228,095
−HK$6,044/mo
Today · 4.125%
HK$234,139
baseline
▲ 0.50% · 4.625%
HK$246,481
+HK$12,342/mo
Deposit HK$4.86M · loan HK$43.78M · min. income ≈ HK$468,278/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,067,563 · Scale 2, in force from 26 Feb 2026)