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$109,183
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$112,579
−HK$3,451/mo
Today · 4.125%
HK$116,030
baseline
▲ 0.50% · 4.625%
HK$123,090
+HK$7,060/mo
Deposit HK$23.94M · loan HK$23.94M · min. income ≈ HK$232,060/mo (50% DSR)
Upfront cash ≈ HK$25.98M (deposit + AVD stamp duty HK$2,034,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,465
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,723
−HK$3,305/mo
Today · 4.125%
HK$128,028
baseline
▲ 0.50% · 4.625%
HK$134,776
+HK$6,748/mo
Deposit HK$23.94M · loan HK$23.94M · min. income ≈ HK$256,056/mo (50% DSR)
Upfront cash ≈ HK$25.98M (deposit + AVD stamp duty HK$2,034,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,020
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$135,095
−HK$4,141/mo
Today · 4.125%
HK$139,236
baseline
▲ 0.50% · 4.625%
HK$147,708
+HK$8,472/mo
Deposit HK$19.15M · loan HK$28.73M · min. income ≈ HK$278,472/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$2,034,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,758
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$149,667
−HK$3,966/mo
Today · 4.125%
HK$153,633
baseline
▲ 0.50% · 4.625%
HK$161,731
+HK$8,098/mo
Deposit HK$19.15M · loan HK$28.73M · min. income ≈ HK$307,266/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$2,034,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,857
−HK$9,585/mo
▼ 0.25% · 3.875%
HK$157,611
−HK$4,831/mo
Today · 4.125%
HK$162,442
baseline
▲ 0.50% · 4.625%
HK$172,326
+HK$9,884/mo
Deposit HK$14.36M · loan HK$33.52M · min. income ≈ HK$324,884/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$2,034,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,051
−HK$9,188/mo
▼ 0.25% · 3.875%
HK$174,612
−HK$4,627/mo
Today · 4.125%
HK$179,239
baseline
▲ 0.50% · 4.625%
HK$188,687
+HK$9,448/mo
Deposit HK$14.36M · loan HK$33.52M · min. income ≈ HK$358,478/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$2,034,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,530
−HK$12,324/mo
▼ 0.25% · 3.875%
HK$202,643
−HK$6,211/mo
Today · 4.125%
HK$208,854
baseline
▲ 0.50% · 4.625%
HK$221,562
+HK$12,708/mo
Deposit HK$4.79M · loan HK$43.09M · min. income ≈ HK$417,708/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,034,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,637
−HK$11,813/mo
▼ 0.25% · 3.875%
HK$224,501
−HK$5,949/mo
Today · 4.125%
HK$230,450
baseline
▲ 0.50% · 4.625%
HK$242,597
+HK$12,147/mo
Deposit HK$4.79M · loan HK$43.09M · min. income ≈ HK$460,900/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,034,985 · Scale 2, in force from 26 Feb 2026)