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$110,780
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$114,226
−HK$3,501/mo
Today · 4.125%
HK$117,727
baseline
▲ 0.50% · 4.625%
HK$124,891
+HK$7,164/mo
Deposit HK$24.29M · loan HK$24.29M · min. income ≈ HK$235,454/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,064,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,242
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,547
−HK$3,354/mo
Today · 4.125%
HK$129,901
baseline
▲ 0.50% · 4.625%
HK$136,748
+HK$6,847/mo
Deposit HK$24.29M · loan HK$24.29M · min. income ≈ HK$259,802/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$2,064,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,937
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$137,072
−HK$4,201/mo
Today · 4.125%
HK$141,273
baseline
▲ 0.50% · 4.625%
HK$149,869
+HK$8,596/mo
Deposit HK$19.43M · loan HK$29.15M · min. income ≈ HK$282,546/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,064,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,891
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$151,857
−HK$4,024/mo
Today · 4.125%
HK$155,881
baseline
▲ 0.50% · 4.625%
HK$164,097
+HK$8,216/mo
Deposit HK$19.43M · loan HK$29.15M · min. income ≈ HK$311,762/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,064,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,093
−HK$9,725/mo
▼ 0.25% · 3.875%
HK$159,917
−HK$4,901/mo
Today · 4.125%
HK$164,818
baseline
▲ 0.50% · 4.625%
HK$174,847
+HK$10,029/mo
Deposit HK$14.57M · loan HK$34.01M · min. income ≈ HK$329,636/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,539
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$177,166
−HK$4,695/mo
Today · 4.125%
HK$181,861
baseline
▲ 0.50% · 4.625%
HK$191,447
+HK$9,586/mo
Deposit HK$14.57M · loan HK$34.01M · min. income ≈ HK$363,722/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,405
−HK$12,504/mo
▼ 0.25% · 3.875%
HK$205,607
−HK$6,302/mo
Today · 4.125%
HK$211,909
baseline
▲ 0.50% · 4.625%
HK$224,803
+HK$12,894/mo
Deposit HK$4.86M · loan HK$43.72M · min. income ≈ HK$423,818/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,836
−HK$11,985/mo
▼ 0.25% · 3.875%
HK$227,785
−HK$6,036/mo
Today · 4.125%
HK$233,821
baseline
▲ 0.50% · 4.625%
HK$246,146
+HK$12,325/mo
Deposit HK$4.86M · loan HK$43.72M · min. income ≈ HK$467,642/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,755 · Scale 2, in force from 26 Feb 2026)