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$111,013
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,466
−HK$3,508/mo
Today · 4.125%
HK$117,974
baseline
▲ 0.50% · 4.625%
HK$125,153
+HK$7,179/mo
Deposit HK$24.34M · loan HK$24.34M · min. income ≈ HK$235,948/mo (50% DSR)
Upfront cash ≈ HK$26.41M (deposit + AVD stamp duty HK$2,069,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,500
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,813
−HK$3,360/mo
Today · 4.125%
HK$130,173
baseline
▲ 0.50% · 4.625%
HK$137,034
+HK$6,861/mo
Deposit HK$24.34M · loan HK$24.34M · min. income ≈ HK$260,346/mo (50% DSR)
Upfront cash ≈ HK$26.41M (deposit + AVD stamp duty HK$2,069,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,215
−HK$8,354/mo
▼ 0.25% · 3.875%
HK$137,359
−HK$4,210/mo
Today · 4.125%
HK$141,569
baseline
▲ 0.50% · 4.625%
HK$150,183
+HK$8,614/mo
Deposit HK$19.47M · loan HK$29.21M · min. income ≈ HK$283,138/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$2,069,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,201
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$152,175
−HK$4,032/mo
Today · 4.125%
HK$156,207
baseline
▲ 0.50% · 4.625%
HK$164,441
+HK$8,234/mo
Deposit HK$19.47M · loan HK$29.21M · min. income ≈ HK$312,414/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$2,069,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,418
−HK$9,746/mo
▼ 0.25% · 3.875%
HK$160,252
−HK$4,912/mo
Today · 4.125%
HK$165,164
baseline
▲ 0.50% · 4.625%
HK$175,214
+HK$10,050/mo
Deposit HK$14.61M · loan HK$34.08M · min. income ≈ HK$330,328/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$2,069,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,901
−HK$9,341/mo
▼ 0.25% · 3.875%
HK$177,538
−HK$4,704/mo
Today · 4.125%
HK$182,242
baseline
▲ 0.50% · 4.625%
HK$191,848
+HK$9,606/mo
Deposit HK$14.61M · loan HK$34.08M · min. income ≈ HK$364,484/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$2,069,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,823
−HK$12,530/mo
▼ 0.25% · 3.875%
HK$206,038
−HK$6,315/mo
Today · 4.125%
HK$212,353
baseline
▲ 0.50% · 4.625%
HK$225,275
+HK$12,922/mo
Deposit HK$4.87M · loan HK$43.82M · min. income ≈ HK$424,706/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,069,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,301
−HK$12,010/mo
▼ 0.25% · 3.875%
HK$228,263
−HK$6,048/mo
Today · 4.125%
HK$234,311
baseline
▲ 0.50% · 4.625%
HK$246,662
+HK$12,351/mo
Deposit HK$4.87M · loan HK$43.82M · min. income ≈ HK$468,622/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,069,082 · Scale 2, in force from 26 Feb 2026)