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$109,263
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$112,662
−HK$3,453/mo
Today · 4.125%
HK$116,115
baseline
▲ 0.50% · 4.625%
HK$123,180
+HK$7,065/mo
Deposit HK$23.96M · loan HK$23.96M · min. income ≈ HK$232,230/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,036,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,554
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$124,814
−HK$3,307/mo
Today · 4.125%
HK$128,121
baseline
▲ 0.50% · 4.625%
HK$134,875
+HK$6,754/mo
Deposit HK$23.96M · loan HK$23.96M · min. income ≈ HK$256,242/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,036,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,116
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$135,194
−HK$4,144/mo
Today · 4.125%
HK$139,338
baseline
▲ 0.50% · 4.625%
HK$147,816
+HK$8,478/mo
Deposit HK$19.17M · loan HK$28.75M · min. income ≈ HK$278,676/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$2,036,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,865
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$149,777
−HK$3,968/mo
Today · 4.125%
HK$153,745
baseline
▲ 0.50% · 4.625%
HK$161,849
+HK$8,104/mo
Deposit HK$19.17M · loan HK$28.75M · min. income ≈ HK$307,490/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$2,036,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,968
−HK$9,593/mo
▼ 0.25% · 3.875%
HK$157,726
−HK$4,835/mo
Today · 4.125%
HK$162,561
baseline
▲ 0.50% · 4.625%
HK$172,452
+HK$9,891/mo
Deposit HK$14.38M · loan HK$33.54M · min. income ≈ HK$325,122/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$2,036,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,176
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$174,740
−HK$4,630/mo
Today · 4.125%
HK$179,370
baseline
▲ 0.50% · 4.625%
HK$188,824
+HK$9,454/mo
Deposit HK$14.38M · loan HK$33.54M · min. income ≈ HK$358,740/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$2,036,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,673
−HK$12,333/mo
▼ 0.25% · 3.875%
HK$202,791
−HK$6,215/mo
Today · 4.125%
HK$209,006
baseline
▲ 0.50% · 4.625%
HK$221,724
+HK$12,718/mo
Deposit HK$4.79M · loan HK$43.13M · min. income ≈ HK$418,012/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,036,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,797
−HK$11,821/mo
▼ 0.25% · 3.875%
HK$224,665
−HK$5,953/mo
Today · 4.125%
HK$230,618
baseline
▲ 0.50% · 4.625%
HK$242,774
+HK$12,156/mo
Deposit HK$4.79M · loan HK$43.13M · min. income ≈ HK$461,236/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,036,471 · Scale 2, in force from 26 Feb 2026)