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$110,486
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$113,923
−HK$3,491/mo
Today · 4.125%
HK$117,414
baseline
▲ 0.50% · 4.625%
HK$124,559
+HK$7,145/mo
Deposit HK$24.23M · loan HK$24.23M · min. income ≈ HK$234,828/mo (50% DSR)
Upfront cash ≈ HK$26.29M (deposit + AVD stamp duty HK$2,059,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,914
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,211
−HK$3,344/mo
Today · 4.125%
HK$129,555
baseline
▲ 0.50% · 4.625%
HK$136,384
+HK$6,829/mo
Deposit HK$24.23M · loan HK$24.23M · min. income ≈ HK$259,110/mo (50% DSR)
Upfront cash ≈ HK$26.29M (deposit + AVD stamp duty HK$2,059,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,583
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$136,707
−HK$4,190/mo
Today · 4.125%
HK$140,897
baseline
▲ 0.50% · 4.625%
HK$149,470
+HK$8,573/mo
Deposit HK$19.38M · loan HK$29.07M · min. income ≈ HK$281,794/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$2,059,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,497
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,453
−HK$4,013/mo
Today · 4.125%
HK$155,466
baseline
▲ 0.50% · 4.625%
HK$163,661
+HK$8,195/mo
Deposit HK$19.38M · loan HK$29.07M · min. income ≈ HK$310,932/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$2,059,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,680
−HK$9,700/mo
▼ 0.25% · 3.875%
HK$159,492
−HK$4,888/mo
Today · 4.125%
HK$164,380
baseline
▲ 0.50% · 4.625%
HK$174,382
+HK$10,002/mo
Deposit HK$14.54M · loan HK$33.92M · min. income ≈ HK$328,760/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,059,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,080
−HK$9,297/mo
▼ 0.25% · 3.875%
HK$176,695
−HK$4,682/mo
Today · 4.125%
HK$181,377
baseline
▲ 0.50% · 4.625%
HK$190,938
+HK$9,561/mo
Deposit HK$14.54M · loan HK$33.92M · min. income ≈ HK$362,754/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,059,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,875
−HK$12,471/mo
▼ 0.25% · 3.875%
HK$205,061
−HK$6,285/mo
Today · 4.125%
HK$211,346
baseline
▲ 0.50% · 4.625%
HK$224,206
+HK$12,860/mo
Deposit HK$4.85M · loan HK$43.61M · min. income ≈ HK$422,692/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,059,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,246
−HK$11,953/mo
▼ 0.25% · 3.875%
HK$227,180
−HK$6,019/mo
Today · 4.125%
HK$233,199
baseline
▲ 0.50% · 4.625%
HK$245,491
+HK$12,292/mo
Deposit HK$4.85M · loan HK$43.61M · min. income ≈ HK$466,398/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,059,264 · Scale 2, in force from 26 Feb 2026)