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$111,495
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,963
−HK$3,524/mo
Today · 4.125%
HK$118,487
baseline
▲ 0.50% · 4.625%
HK$125,697
+HK$7,210/mo
Deposit HK$24.45M · loan HK$24.45M · min. income ≈ HK$236,974/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$2,078,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,037
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$127,364
−HK$3,375/mo
Today · 4.125%
HK$130,739
baseline
▲ 0.50% · 4.625%
HK$137,630
+HK$6,891/mo
Deposit HK$24.45M · loan HK$24.45M · min. income ≈ HK$261,478/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$2,078,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,794
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$137,956
−HK$4,228/mo
Today · 4.125%
HK$142,184
baseline
▲ 0.50% · 4.625%
HK$150,836
+HK$8,652/mo
Deposit HK$19.56M · loan HK$29.34M · min. income ≈ HK$284,368/mo (50% DSR)
Upfront cash ≈ HK$21.64M (deposit + AVD stamp duty HK$2,078,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,845
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$152,837
−HK$4,049/mo
Today · 4.125%
HK$156,886
baseline
▲ 0.50% · 4.625%
HK$165,156
+HK$8,270/mo
Deposit HK$19.56M · loan HK$29.34M · min. income ≈ HK$313,772/mo (50% DSR)
Upfront cash ≈ HK$21.64M (deposit + AVD stamp duty HK$2,078,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,093
−HK$9,789/mo
▼ 0.25% · 3.875%
HK$160,949
−HK$4,933/mo
Today · 4.125%
HK$165,882
baseline
▲ 0.50% · 4.625%
HK$175,975
+HK$10,093/mo
Deposit HK$14.67M · loan HK$34.23M · min. income ≈ HK$331,764/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$2,078,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,652
−HK$9,382/mo
▼ 0.25% · 3.875%
HK$178,310
−HK$4,724/mo
Today · 4.125%
HK$183,034
baseline
▲ 0.50% · 4.625%
HK$192,682
+HK$9,648/mo
Deposit HK$14.67M · loan HK$34.23M · min. income ≈ HK$366,068/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$2,078,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,691
−HK$12,586/mo
▼ 0.25% · 3.875%
HK$206,934
−HK$6,343/mo
Today · 4.125%
HK$213,277
baseline
▲ 0.50% · 4.625%
HK$226,254
+HK$12,977/mo
Deposit HK$4.89M · loan HK$44.01M · min. income ≈ HK$426,554/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,078,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,267
−HK$12,063/mo
▼ 0.25% · 3.875%
HK$229,255
−HK$6,075/mo
Today · 4.125%
HK$235,330
baseline
▲ 0.50% · 4.625%
HK$247,734
+HK$12,404/mo
Deposit HK$4.89M · loan HK$44.01M · min. income ≈ HK$470,660/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,078,077 · Scale 2, in force from 26 Feb 2026)