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$110,816
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,263
−HK$3,502/mo
Today · 4.125%
HK$117,765
baseline
▲ 0.50% · 4.625%
HK$124,930
+HK$7,165/mo
Deposit HK$24.30M · loan HK$24.30M · min. income ≈ HK$235,530/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,065,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,281
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$126,588
−HK$3,354/mo
Today · 4.125%
HK$129,942
baseline
▲ 0.50% · 4.625%
HK$136,791
+HK$6,849/mo
Deposit HK$24.30M · loan HK$24.30M · min. income ≈ HK$259,884/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,065,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,979
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$137,115
−HK$4,203/mo
Today · 4.125%
HK$141,318
baseline
▲ 0.50% · 4.625%
HK$149,916
+HK$8,598/mo
Deposit HK$19.44M · loan HK$29.16M · min. income ≈ HK$282,636/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,065,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,937
−HK$7,993/mo
▼ 0.25% · 3.875%
HK$151,905
−HK$4,025/mo
Today · 4.125%
HK$155,930
baseline
▲ 0.50% · 4.625%
HK$164,149
+HK$8,219/mo
Deposit HK$19.44M · loan HK$29.16M · min. income ≈ HK$311,860/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,065,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,142
−HK$9,729/mo
▼ 0.25% · 3.875%
HK$159,968
−HK$4,903/mo
Today · 4.125%
HK$164,871
baseline
▲ 0.50% · 4.625%
HK$174,903
+HK$10,032/mo
Deposit HK$14.58M · loan HK$34.02M · min. income ≈ HK$329,742/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,065,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,594
−HK$9,324/mo
▼ 0.25% · 3.875%
HK$177,223
−HK$4,695/mo
Today · 4.125%
HK$181,918
baseline
▲ 0.50% · 4.625%
HK$191,508
+HK$9,590/mo
Deposit HK$14.58M · loan HK$34.02M · min. income ≈ HK$363,836/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,065,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,468
−HK$12,508/mo
▼ 0.25% · 3.875%
HK$205,673
−HK$6,303/mo
Today · 4.125%
HK$211,976
baseline
▲ 0.50% · 4.625%
HK$224,875
+HK$12,899/mo
Deposit HK$4.86M · loan HK$43.74M · min. income ≈ HK$423,952/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,065,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,906
−HK$11,989/mo
▼ 0.25% · 3.875%
HK$227,858
−HK$6,037/mo
Today · 4.125%
HK$233,895
baseline
▲ 0.50% · 4.625%
HK$246,224
+HK$12,329/mo
Deposit HK$4.86M · loan HK$43.74M · min. income ≈ HK$467,790/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,065,410 · Scale 2, in force from 26 Feb 2026)