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$110,771
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,216
−HK$3,501/mo
Today · 4.125%
HK$117,717
baseline
▲ 0.50% · 4.625%
HK$124,880
+HK$7,163/mo
Deposit HK$24.29M · loan HK$24.29M · min. income ≈ HK$235,434/mo (50% DSR)
Upfront cash ≈ HK$26.35M (deposit + AVD stamp duty HK$2,064,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,231
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$126,536
−HK$3,353/mo
Today · 4.125%
HK$129,889
baseline
▲ 0.50% · 4.625%
HK$136,736
+HK$6,847/mo
Deposit HK$24.29M · loan HK$24.29M · min. income ≈ HK$259,778/mo (50% DSR)
Upfront cash ≈ HK$26.35M (deposit + AVD stamp duty HK$2,064,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,925
−HK$8,335/mo
▼ 0.25% · 3.875%
HK$137,060
−HK$4,200/mo
Today · 4.125%
HK$141,260
baseline
▲ 0.50% · 4.625%
HK$149,856
+HK$8,596/mo
Deposit HK$19.43M · loan HK$29.15M · min. income ≈ HK$282,520/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,064,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,878
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$151,844
−HK$4,023/mo
Today · 4.125%
HK$155,867
baseline
▲ 0.50% · 4.625%
HK$164,083
+HK$8,216/mo
Deposit HK$19.43M · loan HK$29.15M · min. income ≈ HK$311,734/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,064,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,079
−HK$9,725/mo
▼ 0.25% · 3.875%
HK$159,903
−HK$4,901/mo
Today · 4.125%
HK$164,804
baseline
▲ 0.50% · 4.625%
HK$174,832
+HK$10,028/mo
Deposit HK$14.57M · loan HK$34.00M · min. income ≈ HK$329,608/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,524
−HK$9,321/mo
▼ 0.25% · 3.875%
HK$177,151
−HK$4,694/mo
Today · 4.125%
HK$181,845
baseline
▲ 0.50% · 4.625%
HK$191,430
+HK$9,585/mo
Deposit HK$14.57M · loan HK$34.00M · min. income ≈ HK$363,690/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,387
−HK$12,504/mo
▼ 0.25% · 3.875%
HK$205,589
−HK$6,302/mo
Today · 4.125%
HK$211,891
baseline
▲ 0.50% · 4.625%
HK$224,784
+HK$12,893/mo
Deposit HK$4.86M · loan HK$43.72M · min. income ≈ HK$423,782/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,816
−HK$11,984/mo
▼ 0.25% · 3.875%
HK$227,765
−HK$6,035/mo
Today · 4.125%
HK$233,800
baseline
▲ 0.50% · 4.625%
HK$246,124
+HK$12,324/mo
Deposit HK$4.86M · loan HK$43.72M · min. income ≈ HK$467,600/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,573 · Scale 2, in force from 26 Feb 2026)