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$110,782
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$114,228
−HK$3,501/mo
Today · 4.125%
HK$117,729
baseline
▲ 0.50% · 4.625%
HK$124,893
+HK$7,164/mo
Deposit HK$24.29M · loan HK$24.29M · min. income ≈ HK$235,458/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,064,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,244
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,550
−HK$3,353/mo
Today · 4.125%
HK$129,903
baseline
▲ 0.50% · 4.625%
HK$136,750
+HK$6,847/mo
Deposit HK$24.29M · loan HK$24.29M · min. income ≈ HK$259,806/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,064,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,939
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$137,074
−HK$4,201/mo
Today · 4.125%
HK$141,275
baseline
▲ 0.50% · 4.625%
HK$149,872
+HK$8,597/mo
Deposit HK$19.43M · loan HK$29.15M · min. income ≈ HK$282,550/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,064,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,893
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$151,860
−HK$4,023/mo
Today · 4.125%
HK$155,883
baseline
▲ 0.50% · 4.625%
HK$164,100
+HK$8,217/mo
Deposit HK$19.43M · loan HK$29.15M · min. income ≈ HK$311,766/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,064,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,095
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$159,920
−HK$4,901/mo
Today · 4.125%
HK$164,821
baseline
▲ 0.50% · 4.625%
HK$174,850
+HK$10,029/mo
Deposit HK$14.57M · loan HK$34.01M · min. income ≈ HK$329,642/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,542
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$177,169
−HK$4,695/mo
Today · 4.125%
HK$181,864
baseline
▲ 0.50% · 4.625%
HK$191,450
+HK$9,586/mo
Deposit HK$14.57M · loan HK$34.01M · min. income ≈ HK$363,728/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,408
−HK$12,505/mo
▼ 0.25% · 3.875%
HK$205,611
−HK$6,302/mo
Today · 4.125%
HK$211,913
baseline
▲ 0.50% · 4.625%
HK$224,807
+HK$12,894/mo
Deposit HK$4.86M · loan HK$43.72M · min. income ≈ HK$423,826/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,840
−HK$11,985/mo
▼ 0.25% · 3.875%
HK$227,789
−HK$6,036/mo
Today · 4.125%
HK$233,825
baseline
▲ 0.50% · 4.625%
HK$246,150
+HK$12,325/mo
Deposit HK$4.86M · loan HK$43.72M · min. income ≈ HK$467,650/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,790 · Scale 2, in force from 26 Feb 2026)