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$110,755
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,200
−HK$3,500/mo
Today · 4.125%
HK$117,700
baseline
▲ 0.50% · 4.625%
HK$124,862
+HK$7,162/mo
Deposit HK$24.29M · loan HK$24.29M · min. income ≈ HK$235,400/mo (50% DSR)
Upfront cash ≈ HK$26.35M (deposit + AVD stamp duty HK$2,064,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,213
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,518
−HK$3,352/mo
Today · 4.125%
HK$129,870
baseline
▲ 0.50% · 4.625%
HK$136,716
+HK$6,846/mo
Deposit HK$24.29M · loan HK$24.29M · min. income ≈ HK$259,740/mo (50% DSR)
Upfront cash ≈ HK$26.35M (deposit + AVD stamp duty HK$2,064,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,906
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$137,040
−HK$4,200/mo
Today · 4.125%
HK$141,240
baseline
▲ 0.50% · 4.625%
HK$149,834
+HK$8,594/mo
Deposit HK$19.43M · loan HK$29.14M · min. income ≈ HK$282,480/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$2,064,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,856
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$151,822
−HK$4,022/mo
Today · 4.125%
HK$155,844
baseline
▲ 0.50% · 4.625%
HK$164,059
+HK$8,215/mo
Deposit HK$19.43M · loan HK$29.14M · min. income ≈ HK$311,688/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$2,064,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,057
−HK$9,723/mo
▼ 0.25% · 3.875%
HK$159,880
−HK$4,900/mo
Today · 4.125%
HK$164,780
baseline
▲ 0.50% · 4.625%
HK$174,806
+HK$10,026/mo
Deposit HK$14.57M · loan HK$34.00M · min. income ≈ HK$329,560/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,499
−HK$9,319/mo
▼ 0.25% · 3.875%
HK$177,125
−HK$4,693/mo
Today · 4.125%
HK$181,818
baseline
▲ 0.50% · 4.625%
HK$191,402
+HK$9,584/mo
Deposit HK$14.57M · loan HK$34.00M · min. income ≈ HK$363,636/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,358
−HK$12,502/mo
▼ 0.25% · 3.875%
HK$205,560
−HK$6,300/mo
Today · 4.125%
HK$211,860
baseline
▲ 0.50% · 4.625%
HK$224,751
+HK$12,891/mo
Deposit HK$4.86M · loan HK$43.71M · min. income ≈ HK$423,720/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,784
−HK$11,983/mo
▼ 0.25% · 3.875%
HK$227,732
−HK$6,035/mo
Today · 4.125%
HK$233,767
baseline
▲ 0.50% · 4.625%
HK$246,089
+HK$12,322/mo
Deposit HK$4.86M · loan HK$43.71M · min. income ≈ HK$467,534/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,275 · Scale 2, in force from 26 Feb 2026)