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$110,790
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,237
−HK$3,501/mo
Today · 4.125%
HK$117,738
baseline
▲ 0.50% · 4.625%
HK$124,902
+HK$7,164/mo
Deposit HK$24.29M · loan HK$24.29M · min. income ≈ HK$235,476/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,253
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,559
−HK$3,353/mo
Today · 4.125%
HK$129,912
baseline
▲ 0.50% · 4.625%
HK$136,760
+HK$6,848/mo
Deposit HK$24.29M · loan HK$24.29M · min. income ≈ HK$259,824/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,948
−HK$8,337/mo
▼ 0.25% · 3.875%
HK$137,084
−HK$4,201/mo
Today · 4.125%
HK$141,285
baseline
▲ 0.50% · 4.625%
HK$149,882
+HK$8,597/mo
Deposit HK$19.43M · loan HK$29.15M · min. income ≈ HK$282,570/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,904
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$151,870
−HK$4,025/mo
Today · 4.125%
HK$155,895
baseline
▲ 0.50% · 4.625%
HK$164,112
+HK$8,217/mo
Deposit HK$19.43M · loan HK$29.15M · min. income ≈ HK$311,790/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,107
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$159,931
−HK$4,902/mo
Today · 4.125%
HK$164,833
baseline
▲ 0.50% · 4.625%
HK$174,863
+HK$10,030/mo
Deposit HK$14.58M · loan HK$34.01M · min. income ≈ HK$329,666/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,554
−HK$9,323/mo
▼ 0.25% · 3.875%
HK$177,182
−HK$4,695/mo
Today · 4.125%
HK$181,877
baseline
▲ 0.50% · 4.625%
HK$191,464
+HK$9,587/mo
Deposit HK$14.58M · loan HK$34.01M · min. income ≈ HK$363,754/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,423
−HK$12,505/mo
▼ 0.25% · 3.875%
HK$205,626
−HK$6,302/mo
Today · 4.125%
HK$211,928
baseline
▲ 0.50% · 4.625%
HK$224,824
+HK$12,896/mo
Deposit HK$4.86M · loan HK$43.73M · min. income ≈ HK$423,856/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,856
−HK$11,986/mo
▼ 0.25% · 3.875%
HK$227,806
−HK$6,036/mo
Today · 4.125%
HK$233,842
baseline
▲ 0.50% · 4.625%
HK$246,168
+HK$12,326/mo
Deposit HK$4.86M · loan HK$43.73M · min. income ≈ HK$467,684/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,939 · Scale 2, in force from 26 Feb 2026)