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$109,135
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$112,530
−HK$3,449/mo
Today · 4.125%
HK$115,979
baseline
▲ 0.50% · 4.625%
HK$123,036
+HK$7,057/mo
Deposit HK$23.93M · loan HK$23.93M · min. income ≈ HK$231,958/mo (50% DSR)
Upfront cash ≈ HK$25.96M (deposit + AVD stamp duty HK$2,034,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,412
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$124,668
−HK$3,303/mo
Today · 4.125%
HK$127,971
baseline
▲ 0.50% · 4.625%
HK$134,717
+HK$6,746/mo
Deposit HK$23.93M · loan HK$23.93M · min. income ≈ HK$255,942/mo (50% DSR)
Upfront cash ≈ HK$25.96M (deposit + AVD stamp duty HK$2,034,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,962
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$135,036
−HK$4,139/mo
Today · 4.125%
HK$139,175
baseline
▲ 0.50% · 4.625%
HK$147,643
+HK$8,468/mo
Deposit HK$19.14M · loan HK$28.72M · min. income ≈ HK$278,350/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$2,034,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,694
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$149,602
−HK$3,964/mo
Today · 4.125%
HK$153,566
baseline
▲ 0.50% · 4.625%
HK$161,660
+HK$8,094/mo
Deposit HK$19.14M · loan HK$28.72M · min. income ≈ HK$307,132/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$2,034,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,789
−HK$9,582/mo
▼ 0.25% · 3.875%
HK$157,542
−HK$4,829/mo
Today · 4.125%
HK$162,371
baseline
▲ 0.50% · 4.625%
HK$172,251
+HK$9,880/mo
Deposit HK$14.36M · loan HK$33.50M · min. income ≈ HK$324,742/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$2,034,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,977
−HK$9,183/mo
▼ 0.25% · 3.875%
HK$174,535
−HK$4,625/mo
Today · 4.125%
HK$179,160
baseline
▲ 0.50% · 4.625%
HK$188,604
+HK$9,444/mo
Deposit HK$14.36M · loan HK$33.50M · min. income ≈ HK$358,320/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$2,034,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,444
−HK$12,318/mo
▼ 0.25% · 3.875%
HK$202,554
−HK$6,208/mo
Today · 4.125%
HK$208,762
baseline
▲ 0.50% · 4.625%
HK$221,465
+HK$12,703/mo
Deposit HK$4.79M · loan HK$43.07M · min. income ≈ HK$417,524/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,034,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,542
−HK$11,807/mo
▼ 0.25% · 3.875%
HK$224,403
−HK$5,946/mo
Today · 4.125%
HK$230,349
baseline
▲ 0.50% · 4.625%
HK$242,491
+HK$12,142/mo
Deposit HK$4.79M · loan HK$43.07M · min. income ≈ HK$460,698/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,034,093 · Scale 2, in force from 26 Feb 2026)