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$111,563
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,033
−HK$3,526/mo
Today · 4.125%
HK$118,559
baseline
▲ 0.50% · 4.625%
HK$125,773
+HK$7,214/mo
Deposit HK$24.46M · loan HK$24.46M · min. income ≈ HK$237,118/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,079,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,112
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,441
−HK$3,377/mo
Today · 4.125%
HK$130,818
baseline
▲ 0.50% · 4.625%
HK$137,713
+HK$6,895/mo
Deposit HK$24.46M · loan HK$24.46M · min. income ≈ HK$261,636/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,079,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,875
−HK$8,395/mo
▼ 0.25% · 3.875%
HK$138,039
−HK$4,231/mo
Today · 4.125%
HK$142,270
baseline
▲ 0.50% · 4.625%
HK$150,927
+HK$8,657/mo
Deposit HK$19.57M · loan HK$29.36M · min. income ≈ HK$284,540/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,079,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,935
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$152,929
−HK$4,052/mo
Today · 4.125%
HK$156,981
baseline
▲ 0.50% · 4.625%
HK$165,256
+HK$8,275/mo
Deposit HK$19.57M · loan HK$29.36M · min. income ≈ HK$313,962/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,079,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,188
−HK$9,794/mo
▼ 0.25% · 3.875%
HK$161,046
−HK$4,936/mo
Today · 4.125%
HK$165,982
baseline
▲ 0.50% · 4.625%
HK$176,082
+HK$10,100/mo
Deposit HK$14.68M · loan HK$34.25M · min. income ≈ HK$331,964/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$2,079,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,757
−HK$9,388/mo
▼ 0.25% · 3.875%
HK$178,417
−HK$4,728/mo
Today · 4.125%
HK$183,145
baseline
▲ 0.50% · 4.625%
HK$192,799
+HK$9,654/mo
Deposit HK$14.68M · loan HK$34.25M · min. income ≈ HK$366,290/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$2,079,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,813
−HK$12,593/mo
▼ 0.25% · 3.875%
HK$207,059
−HK$6,347/mo
Today · 4.125%
HK$213,406
baseline
▲ 0.50% · 4.625%
HK$226,391
+HK$12,985/mo
Deposit HK$4.89M · loan HK$44.03M · min. income ≈ HK$426,812/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,079,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,402
−HK$12,070/mo
▼ 0.25% · 3.875%
HK$229,394
−HK$6,078/mo
Today · 4.125%
HK$235,472
baseline
▲ 0.50% · 4.625%
HK$247,884
+HK$12,412/mo
Deposit HK$4.89M · loan HK$44.03M · min. income ≈ HK$470,944/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,079,334 · Scale 2, in force from 26 Feb 2026)