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$110,863
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,311
−HK$3,504/mo
Today · 4.125%
HK$117,815
baseline
▲ 0.50% · 4.625%
HK$124,983
+HK$7,168/mo
Deposit HK$24.31M · loan HK$24.31M · min. income ≈ HK$235,630/mo (50% DSR)
Upfront cash ≈ HK$26.38M (deposit + AVD stamp duty HK$2,066,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,333
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,641
−HK$3,356/mo
Today · 4.125%
HK$129,997
baseline
▲ 0.50% · 4.625%
HK$136,849
+HK$6,852/mo
Deposit HK$24.31M · loan HK$24.31M · min. income ≈ HK$259,994/mo (50% DSR)
Upfront cash ≈ HK$26.38M (deposit + AVD stamp duty HK$2,066,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,035
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$137,173
−HK$4,205/mo
Today · 4.125%
HK$141,378
baseline
▲ 0.50% · 4.625%
HK$149,980
+HK$8,602/mo
Deposit HK$19.45M · loan HK$29.17M · min. income ≈ HK$282,756/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$2,066,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,000
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$151,969
−HK$4,027/mo
Today · 4.125%
HK$155,996
baseline
▲ 0.50% · 4.625%
HK$164,219
+HK$8,223/mo
Deposit HK$19.45M · loan HK$29.17M · min. income ≈ HK$311,992/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$2,066,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,208
−HK$9,732/mo
▼ 0.25% · 3.875%
HK$160,035
−HK$4,905/mo
Today · 4.125%
HK$164,940
baseline
▲ 0.50% · 4.625%
HK$174,977
+HK$10,037/mo
Deposit HK$14.59M · loan HK$34.03M · min. income ≈ HK$329,880/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$2,066,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,667
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$177,298
−HK$4,698/mo
Today · 4.125%
HK$181,996
baseline
▲ 0.50% · 4.625%
HK$191,589
+HK$9,593/mo
Deposit HK$14.59M · loan HK$34.03M · min. income ≈ HK$363,992/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$2,066,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,553
−HK$12,513/mo
▼ 0.25% · 3.875%
HK$205,760
−HK$6,306/mo
Today · 4.125%
HK$212,066
baseline
▲ 0.50% · 4.625%
HK$224,970
+HK$12,904/mo
Deposit HK$4.86M · loan HK$43.76M · min. income ≈ HK$424,132/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,066,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,000
−HK$11,994/mo
▼ 0.25% · 3.875%
HK$227,954
−HK$6,040/mo
Today · 4.125%
HK$233,994
baseline
▲ 0.50% · 4.625%
HK$246,328
+HK$12,334/mo
Deposit HK$4.86M · loan HK$43.76M · min. income ≈ HK$467,988/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,066,285 · Scale 2, in force from 26 Feb 2026)