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$109,223
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,620
−HK$3,452/mo
Today · 4.125%
HK$116,072
baseline
▲ 0.50% · 4.625%
HK$123,134
+HK$7,062/mo
Deposit HK$23.95M · loan HK$23.95M · min. income ≈ HK$232,144/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,035,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,509
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,768
−HK$3,306/mo
Today · 4.125%
HK$128,074
baseline
▲ 0.50% · 4.625%
HK$134,825
+HK$6,751/mo
Deposit HK$23.95M · loan HK$23.95M · min. income ≈ HK$256,148/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,035,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,067
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$135,144
−HK$4,142/mo
Today · 4.125%
HK$139,286
baseline
▲ 0.50% · 4.625%
HK$147,761
+HK$8,475/mo
Deposit HK$19.16M · loan HK$28.74M · min. income ≈ HK$278,572/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$2,035,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,811
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$149,721
−HK$3,967/mo
Today · 4.125%
HK$153,688
baseline
▲ 0.50% · 4.625%
HK$161,790
+HK$8,102/mo
Deposit HK$19.16M · loan HK$28.74M · min. income ≈ HK$307,376/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$2,035,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,912
−HK$9,588/mo
▼ 0.25% · 3.875%
HK$157,668
−HK$4,832/mo
Today · 4.125%
HK$162,500
baseline
▲ 0.50% · 4.625%
HK$172,388
+HK$9,888/mo
Deposit HK$14.37M · loan HK$33.53M · min. income ≈ HK$325,000/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$2,035,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,113
−HK$9,190/mo
▼ 0.25% · 3.875%
HK$174,675
−HK$4,628/mo
Today · 4.125%
HK$179,303
baseline
▲ 0.50% · 4.625%
HK$188,755
+HK$9,452/mo
Deposit HK$14.37M · loan HK$33.53M · min. income ≈ HK$358,606/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$2,035,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,601
−HK$12,328/mo
▼ 0.25% · 3.875%
HK$202,716
−HK$6,213/mo
Today · 4.125%
HK$208,929
baseline
▲ 0.50% · 4.625%
HK$221,642
+HK$12,713/mo
Deposit HK$4.79M · loan HK$43.11M · min. income ≈ HK$417,858/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,035,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,716
−HK$11,817/mo
▼ 0.25% · 3.875%
HK$224,582
−HK$5,951/mo
Today · 4.125%
HK$230,533
baseline
▲ 0.50% · 4.625%
HK$242,684
+HK$12,151/mo
Deposit HK$4.79M · loan HK$43.11M · min. income ≈ HK$461,066/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,035,718 · Scale 2, in force from 26 Feb 2026)