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$111,414
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$114,880
−HK$3,521/mo
Today · 4.125%
HK$118,401
baseline
▲ 0.50% · 4.625%
HK$125,605
+HK$7,204/mo
Deposit HK$24.43M · loan HK$24.43M · min. income ≈ HK$236,802/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,076,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,947
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,271
−HK$3,373/mo
Today · 4.125%
HK$130,644
baseline
▲ 0.50% · 4.625%
HK$137,530
+HK$6,886/mo
Deposit HK$24.43M · loan HK$24.43M · min. income ≈ HK$261,288/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,076,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,697
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$137,856
−HK$4,225/mo
Today · 4.125%
HK$142,081
baseline
▲ 0.50% · 4.625%
HK$150,726
+HK$8,645/mo
Deposit HK$19.54M · loan HK$29.32M · min. income ≈ HK$284,162/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$2,076,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,736
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$152,726
−HK$4,046/mo
Today · 4.125%
HK$156,772
baseline
▲ 0.50% · 4.625%
HK$165,036
+HK$8,264/mo
Deposit HK$19.54M · loan HK$29.32M · min. income ≈ HK$313,544/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$2,076,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,980
−HK$9,781/mo
▼ 0.25% · 3.875%
HK$160,832
−HK$4,929/mo
Today · 4.125%
HK$165,761
baseline
▲ 0.50% · 4.625%
HK$175,847
+HK$10,086/mo
Deposit HK$14.66M · loan HK$34.20M · min. income ≈ HK$331,522/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$2,076,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,526
−HK$9,375/mo
▼ 0.25% · 3.875%
HK$178,180
−HK$4,721/mo
Today · 4.125%
HK$182,901
baseline
▲ 0.50% · 4.625%
HK$192,542
+HK$9,641/mo
Deposit HK$14.66M · loan HK$34.20M · min. income ≈ HK$365,802/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$2,076,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,545
−HK$12,576/mo
▼ 0.25% · 3.875%
HK$206,783
−HK$6,338/mo
Today · 4.125%
HK$213,121
baseline
▲ 0.50% · 4.625%
HK$226,089
+HK$12,968/mo
Deposit HK$4.89M · loan HK$43.97M · min. income ≈ HK$426,242/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,076,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,105
−HK$12,053/mo
▼ 0.25% · 3.875%
HK$229,088
−HK$6,070/mo
Today · 4.125%
HK$235,158
baseline
▲ 0.50% · 4.625%
HK$247,554
+HK$12,396/mo
Deposit HK$4.89M · loan HK$43.97M · min. income ≈ HK$470,316/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,076,565 · Scale 2, in force from 26 Feb 2026)