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$111,447
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$114,914
−HK$3,522/mo
Today · 4.125%
HK$118,436
baseline
▲ 0.50% · 4.625%
HK$125,642
+HK$7,206/mo
Deposit HK$24.44M · loan HK$24.44M · min. income ≈ HK$236,872/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,077,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,984
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$127,309
−HK$3,373/mo
Today · 4.125%
HK$130,682
baseline
▲ 0.50% · 4.625%
HK$137,571
+HK$6,889/mo
Deposit HK$24.44M · loan HK$24.44M · min. income ≈ HK$261,364/mo (50% DSR)
Upfront cash ≈ HK$26.51M (deposit + AVD stamp duty HK$2,077,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,737
−HK$8,386/mo
▼ 0.25% · 3.875%
HK$137,897
−HK$4,226/mo
Today · 4.125%
HK$142,123
baseline
▲ 0.50% · 4.625%
HK$150,771
+HK$8,648/mo
Deposit HK$19.55M · loan HK$29.32M · min. income ≈ HK$284,246/mo (50% DSR)
Upfront cash ≈ HK$21.63M (deposit + AVD stamp duty HK$2,077,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,781
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$152,771
−HK$4,048/mo
Today · 4.125%
HK$156,819
baseline
▲ 0.50% · 4.625%
HK$165,085
+HK$8,266/mo
Deposit HK$19.55M · loan HK$29.32M · min. income ≈ HK$313,638/mo (50% DSR)
Upfront cash ≈ HK$21.63M (deposit + AVD stamp duty HK$2,077,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,026
−HK$9,784/mo
▼ 0.25% · 3.875%
HK$160,879
−HK$4,931/mo
Today · 4.125%
HK$165,810
baseline
▲ 0.50% · 4.625%
HK$175,899
+HK$10,089/mo
Deposit HK$14.66M · loan HK$34.21M · min. income ≈ HK$331,620/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$2,077,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,577
−HK$9,378/mo
▼ 0.25% · 3.875%
HK$178,233
−HK$4,722/mo
Today · 4.125%
HK$182,955
baseline
▲ 0.50% · 4.625%
HK$192,599
+HK$9,644/mo
Deposit HK$14.66M · loan HK$34.21M · min. income ≈ HK$365,910/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$2,077,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,605
−HK$12,580/mo
▼ 0.25% · 3.875%
HK$206,845
−HK$6,340/mo
Today · 4.125%
HK$213,185
baseline
▲ 0.50% · 4.625%
HK$226,156
+HK$12,971/mo
Deposit HK$4.89M · loan HK$43.99M · min. income ≈ HK$426,370/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,077,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,171
−HK$12,057/mo
▼ 0.25% · 3.875%
HK$229,156
−HK$6,072/mo
Today · 4.125%
HK$235,228
baseline
▲ 0.50% · 4.625%
HK$247,627
+HK$12,399/mo
Deposit HK$4.89M · loan HK$43.99M · min. income ≈ HK$470,456/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,077,180 · Scale 2, in force from 26 Feb 2026)