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$110,852
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$114,300
−HK$3,503/mo
Today · 4.125%
HK$117,803
baseline
▲ 0.50% · 4.625%
HK$124,971
+HK$7,168/mo
Deposit HK$24.31M · loan HK$24.31M · min. income ≈ HK$235,606/mo (50% DSR)
Upfront cash ≈ HK$26.37M (deposit + AVD stamp duty HK$2,066,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,322
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,629
−HK$3,355/mo
Today · 4.125%
HK$129,984
baseline
▲ 0.50% · 4.625%
HK$136,836
+HK$6,852/mo
Deposit HK$24.31M · loan HK$24.31M · min. income ≈ HK$259,968/mo (50% DSR)
Upfront cash ≈ HK$26.37M (deposit + AVD stamp duty HK$2,066,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,022
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$137,160
−HK$4,204/mo
Today · 4.125%
HK$141,364
baseline
▲ 0.50% · 4.625%
HK$149,966
+HK$8,602/mo
Deposit HK$19.45M · loan HK$29.17M · min. income ≈ HK$282,728/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$2,066,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,986
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$151,955
−HK$4,026/mo
Today · 4.125%
HK$155,981
baseline
▲ 0.50% · 4.625%
HK$164,203
+HK$8,222/mo
Deposit HK$19.45M · loan HK$29.17M · min. income ≈ HK$311,962/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$2,066,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,193
−HK$9,732/mo
▼ 0.25% · 3.875%
HK$160,020
−HK$4,905/mo
Today · 4.125%
HK$164,925
baseline
▲ 0.50% · 4.625%
HK$174,960
+HK$10,035/mo
Deposit HK$14.58M · loan HK$34.03M · min. income ≈ HK$329,850/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$2,066,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,650
−HK$9,328/mo
▼ 0.25% · 3.875%
HK$177,281
−HK$4,697/mo
Today · 4.125%
HK$181,978
baseline
▲ 0.50% · 4.625%
HK$191,570
+HK$9,592/mo
Deposit HK$14.58M · loan HK$34.03M · min. income ≈ HK$363,956/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$2,066,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,534
−HK$12,512/mo
▼ 0.25% · 3.875%
HK$205,740
−HK$6,306/mo
Today · 4.125%
HK$212,046
baseline
▲ 0.50% · 4.625%
HK$224,949
+HK$12,903/mo
Deposit HK$4.86M · loan HK$43.75M · min. income ≈ HK$424,092/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,066,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,979
−HK$11,993/mo
▼ 0.25% · 3.875%
HK$227,932
−HK$6,040/mo
Today · 4.125%
HK$233,972
baseline
▲ 0.50% · 4.625%
HK$246,305
+HK$12,333/mo
Deposit HK$4.86M · loan HK$43.75M · min. income ≈ HK$467,944/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,066,088 · Scale 2, in force from 26 Feb 2026)