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$111,592
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$115,063
−HK$3,527/mo
Today · 4.125%
HK$118,590
baseline
▲ 0.50% · 4.625%
HK$125,806
+HK$7,216/mo
Deposit HK$24.47M · loan HK$24.47M · min. income ≈ HK$237,180/mo (50% DSR)
Upfront cash ≈ HK$26.55M (deposit + AVD stamp duty HK$2,079,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,145
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$127,475
−HK$3,377/mo
Today · 4.125%
HK$130,852
baseline
▲ 0.50% · 4.625%
HK$137,750
+HK$6,898/mo
Deposit HK$24.47M · loan HK$24.47M · min. income ≈ HK$261,704/mo (50% DSR)
Upfront cash ≈ HK$26.55M (deposit + AVD stamp duty HK$2,079,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,911
−HK$8,397/mo
▼ 0.25% · 3.875%
HK$138,076
−HK$4,232/mo
Today · 4.125%
HK$142,308
baseline
▲ 0.50% · 4.625%
HK$150,967
+HK$8,659/mo
Deposit HK$19.58M · loan HK$29.36M · min. income ≈ HK$284,616/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$2,079,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,974
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$152,970
−HK$4,053/mo
Today · 4.125%
HK$157,023
baseline
▲ 0.50% · 4.625%
HK$165,300
+HK$8,277/mo
Deposit HK$19.58M · loan HK$29.36M · min. income ≈ HK$314,046/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$2,079,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,229
−HK$9,797/mo
▼ 0.25% · 3.875%
HK$161,089
−HK$4,937/mo
Today · 4.125%
HK$166,026
baseline
▲ 0.50% · 4.625%
HK$176,128
+HK$10,102/mo
Deposit HK$14.68M · loan HK$34.26M · min. income ≈ HK$332,052/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$2,079,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,803
−HK$9,390/mo
▼ 0.25% · 3.875%
HK$178,465
−HK$4,728/mo
Today · 4.125%
HK$183,193
baseline
▲ 0.50% · 4.625%
HK$192,850
+HK$9,657/mo
Deposit HK$14.68M · loan HK$34.26M · min. income ≈ HK$366,386/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$2,079,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,866
−HK$12,596/mo
▼ 0.25% · 3.875%
HK$207,114
−HK$6,348/mo
Today · 4.125%
HK$213,462
baseline
▲ 0.50% · 4.625%
HK$226,451
+HK$12,989/mo
Deposit HK$4.89M · loan HK$44.04M · min. income ≈ HK$426,924/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,079,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,461
−HK$12,073/mo
▼ 0.25% · 3.875%
HK$229,454
−HK$6,080/mo
Today · 4.125%
HK$235,534
baseline
▲ 0.50% · 4.625%
HK$247,950
+HK$12,416/mo
Deposit HK$4.89M · loan HK$44.04M · min. income ≈ HK$471,068/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,079,884 · Scale 2, in force from 26 Feb 2026)