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$110,914
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,364
−HK$3,506/mo
Today · 4.125%
HK$117,870
baseline
▲ 0.50% · 4.625%
HK$125,042
+HK$7,172/mo
Deposit HK$24.32M · loan HK$24.32M · min. income ≈ HK$235,740/mo (50% DSR)
Upfront cash ≈ HK$26.39M (deposit + AVD stamp duty HK$2,067,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,391
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,700
−HK$3,357/mo
Today · 4.125%
HK$130,057
baseline
▲ 0.50% · 4.625%
HK$136,913
+HK$6,856/mo
Deposit HK$24.32M · loan HK$24.32M · min. income ≈ HK$260,114/mo (50% DSR)
Upfront cash ≈ HK$26.39M (deposit + AVD stamp duty HK$2,067,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,097
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$137,237
−HK$4,207/mo
Today · 4.125%
HK$141,444
baseline
▲ 0.50% · 4.625%
HK$150,050
+HK$8,606/mo
Deposit HK$19.46M · loan HK$29.18M · min. income ≈ HK$282,888/mo (50% DSR)
Upfront cash ≈ HK$21.52M (deposit + AVD stamp duty HK$2,067,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,069
−HK$8,000/mo
▼ 0.25% · 3.875%
HK$152,040
−HK$4,029/mo
Today · 4.125%
HK$156,069
baseline
▲ 0.50% · 4.625%
HK$164,296
+HK$8,227/mo
Deposit HK$19.46M · loan HK$29.18M · min. income ≈ HK$312,138/mo (50% DSR)
Upfront cash ≈ HK$21.52M (deposit + AVD stamp duty HK$2,067,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,280
−HK$9,737/mo
▼ 0.25% · 3.875%
HK$160,110
−HK$4,907/mo
Today · 4.125%
HK$165,017
baseline
▲ 0.50% · 4.625%
HK$175,058
+HK$10,041/mo
Deposit HK$14.59M · loan HK$34.05M · min. income ≈ HK$330,034/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$2,067,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,747
−HK$9,333/mo
▼ 0.25% · 3.875%
HK$177,380
−HK$4,700/mo
Today · 4.125%
HK$182,080
baseline
▲ 0.50% · 4.625%
HK$191,678
+HK$9,598/mo
Deposit HK$14.59M · loan HK$34.05M · min. income ≈ HK$364,160/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$2,067,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,646
−HK$12,519/mo
▼ 0.25% · 3.875%
HK$205,856
−HK$6,309/mo
Today · 4.125%
HK$212,165
baseline
▲ 0.50% · 4.625%
HK$225,075
+HK$12,910/mo
Deposit HK$4.86M · loan HK$43.78M · min. income ≈ HK$424,330/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,067,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,104
−HK$11,999/mo
▼ 0.25% · 3.875%
HK$228,061
−HK$6,042/mo
Today · 4.125%
HK$234,103
baseline
▲ 0.50% · 4.625%
HK$246,443
+HK$12,340/mo
Deposit HK$4.86M · loan HK$43.78M · min. income ≈ HK$468,206/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,067,249 · Scale 2, in force from 26 Feb 2026)