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$109,259
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$112,657
−HK$3,453/mo
Today · 4.125%
HK$116,110
baseline
▲ 0.50% · 4.625%
HK$123,175
+HK$7,065/mo
Deposit HK$23.96M · loan HK$23.96M · min. income ≈ HK$232,220/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,036,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,549
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$124,809
−HK$3,307/mo
Today · 4.125%
HK$128,116
baseline
▲ 0.50% · 4.625%
HK$134,870
+HK$6,754/mo
Deposit HK$23.96M · loan HK$23.96M · min. income ≈ HK$256,232/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,036,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,111
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$135,189
−HK$4,143/mo
Today · 4.125%
HK$139,332
baseline
▲ 0.50% · 4.625%
HK$147,810
+HK$8,478/mo
Deposit HK$19.17M · loan HK$28.75M · min. income ≈ HK$278,664/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$2,036,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,859
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,771
−HK$3,969/mo
Today · 4.125%
HK$153,740
baseline
▲ 0.50% · 4.625%
HK$161,843
+HK$8,103/mo
Deposit HK$19.17M · loan HK$28.75M · min. income ≈ HK$307,480/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$2,036,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,962
−HK$9,593/mo
▼ 0.25% · 3.875%
HK$157,720
−HK$4,835/mo
Today · 4.125%
HK$162,555
baseline
▲ 0.50% · 4.625%
HK$172,446
+HK$9,891/mo
Deposit HK$14.37M · loan HK$33.54M · min. income ≈ HK$325,110/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$2,036,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,169
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$174,733
−HK$4,630/mo
Today · 4.125%
HK$179,363
baseline
▲ 0.50% · 4.625%
HK$188,817
+HK$9,454/mo
Deposit HK$14.37M · loan HK$33.54M · min. income ≈ HK$358,726/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$2,036,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,666
−HK$12,333/mo
▼ 0.25% · 3.875%
HK$202,783
−HK$6,216/mo
Today · 4.125%
HK$208,999
baseline
▲ 0.50% · 4.625%
HK$221,716
+HK$12,717/mo
Deposit HK$4.79M · loan HK$43.12M · min. income ≈ HK$417,998/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,036,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,789
−HK$11,820/mo
▼ 0.25% · 3.875%
HK$224,657
−HK$5,952/mo
Today · 4.125%
HK$230,609
baseline
▲ 0.50% · 4.625%
HK$242,765
+HK$12,156/mo
Deposit HK$4.79M · loan HK$43.12M · min. income ≈ HK$461,218/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,036,395 · Scale 2, in force from 26 Feb 2026)