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$110,991
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,444
−HK$3,508/mo
Today · 4.125%
HK$117,952
baseline
▲ 0.50% · 4.625%
HK$125,129
+HK$7,177/mo
Deposit HK$24.34M · loan HK$24.34M · min. income ≈ HK$235,904/mo (50% DSR)
Upfront cash ≈ HK$26.41M (deposit + AVD stamp duty HK$2,068,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,477
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,788
−HK$3,360/mo
Today · 4.125%
HK$130,148
baseline
▲ 0.50% · 4.625%
HK$137,008
+HK$6,860/mo
Deposit HK$24.34M · loan HK$24.34M · min. income ≈ HK$260,296/mo (50% DSR)
Upfront cash ≈ HK$26.41M (deposit + AVD stamp duty HK$2,068,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,190
−HK$8,352/mo
▼ 0.25% · 3.875%
HK$137,333
−HK$4,209/mo
Today · 4.125%
HK$141,542
baseline
▲ 0.50% · 4.625%
HK$150,154
+HK$8,612/mo
Deposit HK$19.47M · loan HK$29.20M · min. income ≈ HK$283,084/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$2,068,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,172
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$152,146
−HK$4,031/mo
Today · 4.125%
HK$156,177
baseline
▲ 0.50% · 4.625%
HK$164,410
+HK$8,233/mo
Deposit HK$19.47M · loan HK$29.20M · min. income ≈ HK$312,354/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$2,068,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,388
−HK$9,744/mo
▼ 0.25% · 3.875%
HK$160,221
−HK$4,911/mo
Today · 4.125%
HK$165,132
baseline
▲ 0.50% · 4.625%
HK$175,180
+HK$10,048/mo
Deposit HK$14.60M · loan HK$34.07M · min. income ≈ HK$330,264/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$2,068,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,867
−HK$9,340/mo
▼ 0.25% · 3.875%
HK$177,504
−HK$4,703/mo
Today · 4.125%
HK$182,207
baseline
▲ 0.50% · 4.625%
HK$191,811
+HK$9,604/mo
Deposit HK$14.60M · loan HK$34.07M · min. income ≈ HK$364,414/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$2,068,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,784
−HK$12,529/mo
▼ 0.25% · 3.875%
HK$205,999
−HK$6,314/mo
Today · 4.125%
HK$212,313
baseline
▲ 0.50% · 4.625%
HK$225,231
+HK$12,918/mo
Deposit HK$4.87M · loan HK$43.81M · min. income ≈ HK$424,626/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,068,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,258
−HK$12,008/mo
▼ 0.25% · 3.875%
HK$228,219
−HK$6,047/mo
Today · 4.125%
HK$234,266
baseline
▲ 0.50% · 4.625%
HK$246,615
+HK$12,349/mo
Deposit HK$4.87M · loan HK$43.81M · min. income ≈ HK$468,532/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,068,686 · Scale 2, in force from 26 Feb 2026)