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$111,122
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$114,578
−HK$3,512/mo
Today · 4.125%
HK$118,090
baseline
▲ 0.50% · 4.625%
HK$125,276
+HK$7,186/mo
Deposit HK$24.37M · loan HK$24.37M · min. income ≈ HK$236,180/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$2,071,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,622
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,937
−HK$3,364/mo
Today · 4.125%
HK$130,301
baseline
▲ 0.50% · 4.625%
HK$137,169
+HK$6,868/mo
Deposit HK$24.37M · loan HK$24.37M · min. income ≈ HK$260,602/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$2,071,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,346
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$137,494
−HK$4,214/mo
Today · 4.125%
HK$141,708
baseline
▲ 0.50% · 4.625%
HK$150,331
+HK$8,623/mo
Deposit HK$19.49M · loan HK$29.24M · min. income ≈ HK$283,416/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$2,071,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,346
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$152,325
−HK$4,036/mo
Today · 4.125%
HK$156,361
baseline
▲ 0.50% · 4.625%
HK$164,603
+HK$8,242/mo
Deposit HK$19.49M · loan HK$29.24M · min. income ≈ HK$312,722/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$2,071,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,571
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$160,410
−HK$4,916/mo
Today · 4.125%
HK$165,326
baseline
▲ 0.50% · 4.625%
HK$175,386
+HK$10,060/mo
Deposit HK$14.62M · loan HK$34.11M · min. income ≈ HK$330,652/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$2,071,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,071
−HK$9,350/mo
▼ 0.25% · 3.875%
HK$177,712
−HK$4,709/mo
Today · 4.125%
HK$182,421
baseline
▲ 0.50% · 4.625%
HK$192,037
+HK$9,616/mo
Deposit HK$14.62M · loan HK$34.11M · min. income ≈ HK$364,842/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$2,071,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,019
−HK$12,543/mo
▼ 0.25% · 3.875%
HK$206,241
−HK$6,321/mo
Today · 4.125%
HK$212,562
baseline
▲ 0.50% · 4.625%
HK$225,496
+HK$12,934/mo
Deposit HK$4.87M · loan HK$43.86M · min. income ≈ HK$425,124/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,071,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,520
−HK$12,022/mo
▼ 0.25% · 3.875%
HK$228,487
−HK$6,055/mo
Today · 4.125%
HK$234,542
baseline
▲ 0.50% · 4.625%
HK$246,905
+HK$12,363/mo
Deposit HK$4.87M · loan HK$43.86M · min. income ≈ HK$469,084/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,071,119 · Scale 2, in force from 26 Feb 2026)