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$111,279
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$114,740
−HK$3,517/mo
Today · 4.125%
HK$118,257
baseline
▲ 0.50% · 4.625%
HK$125,452
+HK$7,195/mo
Deposit HK$24.40M · loan HK$24.40M · min. income ≈ HK$236,514/mo (50% DSR)
Upfront cash ≈ HK$26.47M (deposit + AVD stamp duty HK$2,074,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,796
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$127,116
−HK$3,369/mo
Today · 4.125%
HK$130,485
baseline
▲ 0.50% · 4.625%
HK$137,363
+HK$6,878/mo
Deposit HK$24.40M · loan HK$24.40M · min. income ≈ HK$260,970/mo (50% DSR)
Upfront cash ≈ HK$26.47M (deposit + AVD stamp duty HK$2,074,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,534
−HK$8,374/mo
▼ 0.25% · 3.875%
HK$137,688
−HK$4,220/mo
Today · 4.125%
HK$141,908
baseline
▲ 0.50% · 4.625%
HK$150,543
+HK$8,635/mo
Deposit HK$19.52M · loan HK$29.28M · min. income ≈ HK$283,816/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$2,074,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,556
−HK$8,026/mo
▼ 0.25% · 3.875%
HK$152,540
−HK$4,042/mo
Today · 4.125%
HK$156,582
baseline
▲ 0.50% · 4.625%
HK$164,835
+HK$8,253/mo
Deposit HK$19.52M · loan HK$29.28M · min. income ≈ HK$313,164/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$2,074,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,790
−HK$9,769/mo
▼ 0.25% · 3.875%
HK$160,636
−HK$4,923/mo
Today · 4.125%
HK$165,559
baseline
▲ 0.50% · 4.625%
HK$175,633
+HK$10,074/mo
Deposit HK$14.64M · loan HK$34.16M · min. income ≈ HK$331,118/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$2,074,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,315
−HK$9,363/mo
▼ 0.25% · 3.875%
HK$177,963
−HK$4,715/mo
Today · 4.125%
HK$182,678
baseline
▲ 0.50% · 4.625%
HK$192,308
+HK$9,630/mo
Deposit HK$14.64M · loan HK$34.16M · min. income ≈ HK$365,356/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$2,074,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,301
−HK$12,561/mo
▼ 0.25% · 3.875%
HK$206,532
−HK$6,330/mo
Today · 4.125%
HK$212,862
baseline
▲ 0.50% · 4.625%
HK$225,814
+HK$12,952/mo
Deposit HK$4.88M · loan HK$43.92M · min. income ≈ HK$425,724/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$2,074,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,833
−HK$12,039/mo
▼ 0.25% · 3.875%
HK$228,810
−HK$6,062/mo
Today · 4.125%
HK$234,872
baseline
▲ 0.50% · 4.625%
HK$247,253
+HK$12,381/mo
Deposit HK$4.88M · loan HK$43.92M · min. income ≈ HK$469,744/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$2,074,038 · Scale 2, in force from 26 Feb 2026)