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$110,943
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$114,394
−HK$3,506/mo
Today · 4.125%
HK$117,900
baseline
▲ 0.50% · 4.625%
HK$125,074
+HK$7,174/mo
Deposit HK$24.33M · loan HK$24.33M · min. income ≈ HK$235,800/mo (50% DSR)
Upfront cash ≈ HK$26.39M (deposit + AVD stamp duty HK$2,067,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,423
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$126,733
−HK$3,358/mo
Today · 4.125%
HK$130,091
baseline
▲ 0.50% · 4.625%
HK$136,948
+HK$6,857/mo
Deposit HK$24.33M · loan HK$24.33M · min. income ≈ HK$260,182/mo (50% DSR)
Upfront cash ≈ HK$26.39M (deposit + AVD stamp duty HK$2,067,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,131
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,272
−HK$4,208/mo
Today · 4.125%
HK$141,480
baseline
▲ 0.50% · 4.625%
HK$150,089
+HK$8,609/mo
Deposit HK$19.46M · loan HK$29.19M · min. income ≈ HK$282,960/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,067,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,107
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,079
−HK$4,030/mo
Today · 4.125%
HK$156,109
baseline
▲ 0.50% · 4.625%
HK$164,338
+HK$8,229/mo
Deposit HK$19.46M · loan HK$29.19M · min. income ≈ HK$312,218/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,067,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,320
−HK$9,740/mo
▼ 0.25% · 3.875%
HK$160,151
−HK$4,909/mo
Today · 4.125%
HK$165,060
baseline
▲ 0.50% · 4.625%
HK$175,103
+HK$10,043/mo
Deposit HK$14.60M · loan HK$34.06M · min. income ≈ HK$330,120/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$2,067,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,792
−HK$9,335/mo
▼ 0.25% · 3.875%
HK$177,426
−HK$4,701/mo
Today · 4.125%
HK$182,127
baseline
▲ 0.50% · 4.625%
HK$191,727
+HK$9,600/mo
Deposit HK$14.60M · loan HK$34.06M · min. income ≈ HK$364,254/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$2,067,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,697
−HK$12,523/mo
▼ 0.25% · 3.875%
HK$205,909
−HK$6,311/mo
Today · 4.125%
HK$212,220
baseline
▲ 0.50% · 4.625%
HK$225,133
+HK$12,913/mo
Deposit HK$4.87M · loan HK$43.79M · min. income ≈ HK$424,440/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,067,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,161
−HK$12,003/mo
▼ 0.25% · 3.875%
HK$228,119
−HK$6,045/mo
Today · 4.125%
HK$234,164
baseline
▲ 0.50% · 4.625%
HK$246,507
+HK$12,343/mo
Deposit HK$4.87M · loan HK$43.79M · min. income ≈ HK$468,328/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,067,780 · Scale 2, in force from 26 Feb 2026)