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$109,297
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$112,697
−HK$3,454/mo
Today · 4.125%
HK$116,151
baseline
▲ 0.50% · 4.625%
HK$123,219
+HK$7,068/mo
Deposit HK$23.97M · loan HK$23.97M · min. income ≈ HK$232,302/mo (50% DSR)
Upfront cash ≈ HK$26.00M (deposit + AVD stamp duty HK$2,037,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,592
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$124,853
−HK$3,308/mo
Today · 4.125%
HK$128,161
baseline
▲ 0.50% · 4.625%
HK$134,917
+HK$6,756/mo
Deposit HK$23.97M · loan HK$23.97M · min. income ≈ HK$256,322/mo (50% DSR)
Upfront cash ≈ HK$26.00M (deposit + AVD stamp duty HK$2,037,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,157
−HK$8,224/mo
▼ 0.25% · 3.875%
HK$135,236
−HK$4,145/mo
Today · 4.125%
HK$139,381
baseline
▲ 0.50% · 4.625%
HK$147,862
+HK$8,481/mo
Deposit HK$19.17M · loan HK$28.76M · min. income ≈ HK$278,762/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$2,037,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,910
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$149,824
−HK$3,970/mo
Today · 4.125%
HK$153,794
baseline
▲ 0.50% · 4.625%
HK$161,900
+HK$8,106/mo
Deposit HK$19.17M · loan HK$28.76M · min. income ≈ HK$307,588/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$2,037,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,016
−HK$9,596/mo
▼ 0.25% · 3.875%
HK$157,776
−HK$4,836/mo
Today · 4.125%
HK$162,612
baseline
▲ 0.50% · 4.625%
HK$172,506
+HK$9,894/mo
Deposit HK$14.38M · loan HK$33.55M · min. income ≈ HK$325,224/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$2,037,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,229
−HK$9,197/mo
▼ 0.25% · 3.875%
HK$174,794
−HK$4,632/mo
Today · 4.125%
HK$179,426
baseline
▲ 0.50% · 4.625%
HK$188,884
+HK$9,458/mo
Deposit HK$14.38M · loan HK$33.55M · min. income ≈ HK$358,852/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$2,037,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,735
−HK$12,337/mo
▼ 0.25% · 3.875%
HK$202,854
−HK$6,218/mo
Today · 4.125%
HK$209,072
baseline
▲ 0.50% · 4.625%
HK$221,793
+HK$12,721/mo
Deposit HK$4.79M · loan HK$43.14M · min. income ≈ HK$418,144/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,037,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,866
−HK$11,824/mo
▼ 0.25% · 3.875%
HK$224,735
−HK$5,955/mo
Today · 4.125%
HK$230,690
baseline
▲ 0.50% · 4.625%
HK$242,850
+HK$12,160/mo
Deposit HK$4.79M · loan HK$43.14M · min. income ≈ HK$461,380/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,037,109 · Scale 2, in force from 26 Feb 2026)