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$111,086
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$114,541
−HK$3,511/mo
Today · 4.125%
HK$118,052
baseline
▲ 0.50% · 4.625%
HK$125,235
+HK$7,183/mo
Deposit HK$24.36M · loan HK$24.36M · min. income ≈ HK$236,104/mo (50% DSR)
Upfront cash ≈ HK$26.43M (deposit + AVD stamp duty HK$2,070,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,582
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,896
−HK$3,362/mo
Today · 4.125%
HK$130,258
baseline
▲ 0.50% · 4.625%
HK$137,124
+HK$6,866/mo
Deposit HK$24.36M · loan HK$24.36M · min. income ≈ HK$260,516/mo (50% DSR)
Upfront cash ≈ HK$26.43M (deposit + AVD stamp duty HK$2,070,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,303
−HK$8,359/mo
▼ 0.25% · 3.875%
HK$137,449
−HK$4,213/mo
Today · 4.125%
HK$141,662
baseline
▲ 0.50% · 4.625%
HK$150,282
+HK$8,620/mo
Deposit HK$19.49M · loan HK$29.23M · min. income ≈ HK$283,324/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$2,070,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,298
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$152,275
−HK$4,035/mo
Today · 4.125%
HK$156,310
baseline
▲ 0.50% · 4.625%
HK$164,549
+HK$8,239/mo
Deposit HK$19.49M · loan HK$29.23M · min. income ≈ HK$312,620/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$2,070,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,520
−HK$9,752/mo
▼ 0.25% · 3.875%
HK$160,357
−HK$4,915/mo
Today · 4.125%
HK$165,272
baseline
▲ 0.50% · 4.625%
HK$175,329
+HK$10,057/mo
Deposit HK$14.61M · loan HK$34.10M · min. income ≈ HK$330,544/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$2,070,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,014
−HK$9,348/mo
▼ 0.25% · 3.875%
HK$177,654
−HK$4,708/mo
Today · 4.125%
HK$182,362
baseline
▲ 0.50% · 4.625%
HK$191,974
+HK$9,612/mo
Deposit HK$14.61M · loan HK$34.10M · min. income ≈ HK$364,724/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$2,070,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,954
−HK$12,539/mo
▼ 0.25% · 3.875%
HK$206,174
−HK$6,319/mo
Today · 4.125%
HK$212,493
baseline
▲ 0.50% · 4.625%
HK$225,423
+HK$12,930/mo
Deposit HK$4.87M · loan HK$43.84M · min. income ≈ HK$424,986/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,070,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,447
−HK$12,018/mo
▼ 0.25% · 3.875%
HK$228,413
−HK$6,052/mo
Today · 4.125%
HK$234,465
baseline
▲ 0.50% · 4.625%
HK$246,824
+HK$12,359/mo
Deposit HK$4.87M · loan HK$43.84M · min. income ≈ HK$468,930/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,070,443 · Scale 2, in force from 26 Feb 2026)