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$110,775
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$114,221
−HK$3,501/mo
Today · 4.125%
HK$117,722
baseline
▲ 0.50% · 4.625%
HK$124,885
+HK$7,163/mo
Deposit HK$24.29M · loan HK$24.29M · min. income ≈ HK$235,444/mo (50% DSR)
Upfront cash ≈ HK$26.35M (deposit + AVD stamp duty HK$2,064,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,236
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$126,541
−HK$3,353/mo
Today · 4.125%
HK$129,894
baseline
▲ 0.50% · 4.625%
HK$136,741
+HK$6,847/mo
Deposit HK$24.29M · loan HK$24.29M · min. income ≈ HK$259,788/mo (50% DSR)
Upfront cash ≈ HK$26.35M (deposit + AVD stamp duty HK$2,064,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,930
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$137,065
−HK$4,201/mo
Today · 4.125%
HK$141,266
baseline
▲ 0.50% · 4.625%
HK$149,862
+HK$8,596/mo
Deposit HK$19.43M · loan HK$29.15M · min. income ≈ HK$282,532/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,064,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,883
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$151,849
−HK$4,024/mo
Today · 4.125%
HK$155,873
baseline
▲ 0.50% · 4.625%
HK$164,089
+HK$8,216/mo
Deposit HK$19.43M · loan HK$29.15M · min. income ≈ HK$311,746/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,064,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,085
−HK$9,725/mo
▼ 0.25% · 3.875%
HK$159,909
−HK$4,901/mo
Today · 4.125%
HK$164,810
baseline
▲ 0.50% · 4.625%
HK$174,839
+HK$10,029/mo
Deposit HK$14.57M · loan HK$34.01M · min. income ≈ HK$329,620/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,531
−HK$9,321/mo
▼ 0.25% · 3.875%
HK$177,158
−HK$4,694/mo
Today · 4.125%
HK$181,852
baseline
▲ 0.50% · 4.625%
HK$191,437
+HK$9,585/mo
Deposit HK$14.57M · loan HK$34.01M · min. income ≈ HK$363,704/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$2,064,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,395
−HK$12,504/mo
▼ 0.25% · 3.875%
HK$205,597
−HK$6,302/mo
Today · 4.125%
HK$211,899
baseline
▲ 0.50% · 4.625%
HK$224,792
+HK$12,893/mo
Deposit HK$4.86M · loan HK$43.72M · min. income ≈ HK$423,798/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,825
−HK$11,984/mo
▼ 0.25% · 3.875%
HK$227,774
−HK$6,035/mo
Today · 4.125%
HK$233,809
baseline
▲ 0.50% · 4.625%
HK$246,134
+HK$12,325/mo
Deposit HK$4.86M · loan HK$43.72M · min. income ≈ HK$467,618/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$2,064,653 · Scale 2, in force from 26 Feb 2026)