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$110,486
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,923
−HK$3,492/mo
Today · 4.125%
HK$117,415
baseline
▲ 0.50% · 4.625%
HK$124,559
+HK$7,144/mo
Deposit HK$24.23M · loan HK$24.23M · min. income ≈ HK$234,830/mo (50% DSR)
Upfront cash ≈ HK$26.29M (deposit + AVD stamp duty HK$2,059,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,915
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,211
−HK$3,345/mo
Today · 4.125%
HK$129,556
baseline
▲ 0.50% · 4.625%
HK$136,385
+HK$6,829/mo
Deposit HK$24.23M · loan HK$24.23M · min. income ≈ HK$259,112/mo (50% DSR)
Upfront cash ≈ HK$26.29M (deposit + AVD stamp duty HK$2,059,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,583
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$136,708
−HK$4,190/mo
Today · 4.125%
HK$140,898
baseline
▲ 0.50% · 4.625%
HK$149,471
+HK$8,573/mo
Deposit HK$19.38M · loan HK$29.07M · min. income ≈ HK$281,796/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$2,059,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,498
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,454
−HK$4,013/mo
Today · 4.125%
HK$155,467
baseline
▲ 0.50% · 4.625%
HK$163,662
+HK$8,195/mo
Deposit HK$19.38M · loan HK$29.07M · min. income ≈ HK$310,934/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$2,059,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,681
−HK$9,700/mo
▼ 0.25% · 3.875%
HK$159,492
−HK$4,889/mo
Today · 4.125%
HK$164,381
baseline
▲ 0.50% · 4.625%
HK$174,383
+HK$10,002/mo
Deposit HK$14.54M · loan HK$33.92M · min. income ≈ HK$328,762/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,059,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,081
−HK$9,297/mo
▼ 0.25% · 3.875%
HK$176,696
−HK$4,682/mo
Today · 4.125%
HK$181,378
baseline
▲ 0.50% · 4.625%
HK$190,938
+HK$9,560/mo
Deposit HK$14.54M · loan HK$33.92M · min. income ≈ HK$362,756/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$2,059,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,875
−HK$12,471/mo
▼ 0.25% · 3.875%
HK$205,061
−HK$6,285/mo
Today · 4.125%
HK$211,346
baseline
▲ 0.50% · 4.625%
HK$224,206
+HK$12,860/mo
Deposit HK$4.85M · loan HK$43.61M · min. income ≈ HK$422,692/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,059,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,247
−HK$11,953/mo
▼ 0.25% · 3.875%
HK$227,180
−HK$6,020/mo
Today · 4.125%
HK$233,200
baseline
▲ 0.50% · 4.625%
HK$245,492
+HK$12,292/mo
Deposit HK$4.85M · loan HK$43.61M · min. income ≈ HK$466,400/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,059,271 · Scale 2, in force from 26 Feb 2026)