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$111,454
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$114,920
−HK$3,523/mo
Today · 4.125%
HK$118,443
baseline
▲ 0.50% · 4.625%
HK$125,650
+HK$7,207/mo
Deposit HK$24.44M · loan HK$24.44M · min. income ≈ HK$236,886/mo (50% DSR)
Upfront cash ≈ HK$26.52M (deposit + AVD stamp duty HK$2,077,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,991
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,316
−HK$3,374/mo
Today · 4.125%
HK$130,690
baseline
▲ 0.50% · 4.625%
HK$137,579
+HK$6,889/mo
Deposit HK$24.44M · loan HK$24.44M · min. income ≈ HK$261,380/mo (50% DSR)
Upfront cash ≈ HK$26.52M (deposit + AVD stamp duty HK$2,077,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,744
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$137,905
−HK$4,226/mo
Today · 4.125%
HK$142,131
baseline
▲ 0.50% · 4.625%
HK$150,780
+HK$8,649/mo
Deposit HK$19.55M · loan HK$29.33M · min. income ≈ HK$284,262/mo (50% DSR)
Upfront cash ≈ HK$21.63M (deposit + AVD stamp duty HK$2,077,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,789
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$152,780
−HK$4,048/mo
Today · 4.125%
HK$156,828
baseline
▲ 0.50% · 4.625%
HK$165,094
+HK$8,266/mo
Deposit HK$19.55M · loan HK$29.33M · min. income ≈ HK$313,656/mo (50% DSR)
Upfront cash ≈ HK$21.63M (deposit + AVD stamp duty HK$2,077,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,035
−HK$9,785/mo
▼ 0.25% · 3.875%
HK$160,889
−HK$4,931/mo
Today · 4.125%
HK$165,820
baseline
▲ 0.50% · 4.625%
HK$175,910
+HK$10,090/mo
Deposit HK$14.66M · loan HK$34.21M · min. income ≈ HK$331,640/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$2,077,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,587
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$178,243
−HK$4,723/mo
Today · 4.125%
HK$182,966
baseline
▲ 0.50% · 4.625%
HK$192,610
+HK$9,644/mo
Deposit HK$14.66M · loan HK$34.21M · min. income ≈ HK$365,932/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$2,077,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,616
−HK$12,581/mo
▼ 0.25% · 3.875%
HK$206,857
−HK$6,340/mo
Today · 4.125%
HK$213,197
baseline
▲ 0.50% · 4.625%
HK$226,169
+HK$12,972/mo
Deposit HK$4.89M · loan HK$43.99M · min. income ≈ HK$426,394/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,077,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,184
−HK$12,058/mo
▼ 0.25% · 3.875%
HK$229,170
−HK$6,072/mo
Today · 4.125%
HK$235,242
baseline
▲ 0.50% · 4.625%
HK$247,642
+HK$12,400/mo
Deposit HK$4.89M · loan HK$43.99M · min. income ≈ HK$470,484/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,077,301 · Scale 2, in force from 26 Feb 2026)