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$109,216
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,613
−HK$3,452/mo
Today · 4.125%
HK$116,065
baseline
▲ 0.50% · 4.625%
HK$123,127
+HK$7,062/mo
Deposit HK$23.95M · loan HK$23.95M · min. income ≈ HK$232,130/mo (50% DSR)
Upfront cash ≈ HK$25.98M (deposit + AVD stamp duty HK$2,035,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,501
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,760
−HK$3,306/mo
Today · 4.125%
HK$128,066
baseline
▲ 0.50% · 4.625%
HK$134,816
+HK$6,750/mo
Deposit HK$23.95M · loan HK$23.95M · min. income ≈ HK$256,132/mo (50% DSR)
Upfront cash ≈ HK$25.98M (deposit + AVD stamp duty HK$2,035,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,059
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$135,136
−HK$4,142/mo
Today · 4.125%
HK$139,278
baseline
▲ 0.50% · 4.625%
HK$147,752
+HK$8,474/mo
Deposit HK$19.16M · loan HK$28.74M · min. income ≈ HK$278,556/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$2,035,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,802
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$149,712
−HK$3,967/mo
Today · 4.125%
HK$153,679
baseline
▲ 0.50% · 4.625%
HK$161,780
+HK$8,101/mo
Deposit HK$19.16M · loan HK$28.74M · min. income ≈ HK$307,358/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$2,035,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,902
−HK$9,588/mo
▼ 0.25% · 3.875%
HK$157,658
−HK$4,832/mo
Today · 4.125%
HK$162,490
baseline
▲ 0.50% · 4.625%
HK$172,378
+HK$9,888/mo
Deposit HK$14.37M · loan HK$33.53M · min. income ≈ HK$324,980/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$2,035,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,102
−HK$9,190/mo
▼ 0.25% · 3.875%
HK$174,664
−HK$4,628/mo
Today · 4.125%
HK$179,292
baseline
▲ 0.50% · 4.625%
HK$188,743
+HK$9,451/mo
Deposit HK$14.37M · loan HK$33.53M · min. income ≈ HK$358,584/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$2,035,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,588
−HK$12,328/mo
▼ 0.25% · 3.875%
HK$202,703
−HK$6,213/mo
Today · 4.125%
HK$208,916
baseline
▲ 0.50% · 4.625%
HK$221,628
+HK$12,712/mo
Deposit HK$4.79M · loan HK$43.11M · min. income ≈ HK$417,832/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,035,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,703
−HK$11,815/mo
▼ 0.25% · 3.875%
HK$224,568
−HK$5,950/mo
Today · 4.125%
HK$230,518
baseline
▲ 0.50% · 4.625%
HK$242,669
+HK$12,151/mo
Deposit HK$4.79M · loan HK$43.11M · min. income ≈ HK$461,036/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,035,592 · Scale 2, in force from 26 Feb 2026)