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$110,718
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,162
−HK$3,499/mo
Today · 4.125%
HK$117,661
baseline
▲ 0.50% · 4.625%
HK$124,820
+HK$7,159/mo
Deposit HK$24.28M · loan HK$24.28M · min. income ≈ HK$235,322/mo (50% DSR)
Upfront cash ≈ HK$26.34M (deposit + AVD stamp duty HK$2,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,172
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,476
−HK$3,351/mo
Today · 4.125%
HK$129,827
baseline
▲ 0.50% · 4.625%
HK$136,670
+HK$6,843/mo
Deposit HK$24.28M · loan HK$24.28M · min. income ≈ HK$259,654/mo (50% DSR)
Upfront cash ≈ HK$26.34M (deposit + AVD stamp duty HK$2,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,861
−HK$8,332/mo
▼ 0.25% · 3.875%
HK$136,994
−HK$4,199/mo
Today · 4.125%
HK$141,193
baseline
▲ 0.50% · 4.625%
HK$149,784
+HK$8,591/mo
Deposit HK$19.42M · loan HK$29.13M · min. income ≈ HK$282,386/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$2,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,807
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$151,771
−HK$4,021/mo
Today · 4.125%
HK$155,792
baseline
▲ 0.50% · 4.625%
HK$164,004
+HK$8,212/mo
Deposit HK$19.42M · loan HK$29.13M · min. income ≈ HK$311,584/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$2,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,005
−HK$9,720/mo
▼ 0.25% · 3.875%
HK$159,826
−HK$4,899/mo
Today · 4.125%
HK$164,725
baseline
▲ 0.50% · 4.625%
HK$174,748
+HK$10,023/mo
Deposit HK$14.57M · loan HK$33.99M · min. income ≈ HK$329,450/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$2,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,441
−HK$9,317/mo
▼ 0.25% · 3.875%
HK$177,066
−HK$4,692/mo
Today · 4.125%
HK$181,758
baseline
▲ 0.50% · 4.625%
HK$191,338
+HK$9,580/mo
Deposit HK$14.57M · loan HK$33.99M · min. income ≈ HK$363,516/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$2,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,292
−HK$12,497/mo
▼ 0.25% · 3.875%
HK$205,491
−HK$6,298/mo
Today · 4.125%
HK$211,789
baseline
▲ 0.50% · 4.625%
HK$224,676
+HK$12,887/mo
Deposit HK$4.86M · loan HK$43.70M · min. income ≈ HK$423,578/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,710
−HK$11,978/mo
▼ 0.25% · 3.875%
HK$227,656
−HK$6,032/mo
Today · 4.125%
HK$233,688
baseline
▲ 0.50% · 4.625%
HK$246,006
+HK$12,318/mo
Deposit HK$4.86M · loan HK$43.70M · min. income ≈ HK$467,376/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,063,583 · Scale 2, in force from 26 Feb 2026)