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$111,802
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,279
−HK$3,534/mo
Today · 4.125%
HK$118,813
baseline
▲ 0.50% · 4.625%
HK$126,042
+HK$7,229/mo
Deposit HK$24.52M · loan HK$24.52M · min. income ≈ HK$237,626/mo (50% DSR)
Upfront cash ≈ HK$26.60M (deposit + AVD stamp duty HK$2,083,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,378
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$127,714
−HK$3,384/mo
Today · 4.125%
HK$131,098
baseline
▲ 0.50% · 4.625%
HK$138,008
+HK$6,910/mo
Deposit HK$24.52M · loan HK$24.52M · min. income ≈ HK$262,196/mo (50% DSR)
Upfront cash ≈ HK$26.60M (deposit + AVD stamp duty HK$2,083,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,162
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,335
−HK$4,240/mo
Today · 4.125%
HK$142,575
baseline
▲ 0.50% · 4.625%
HK$151,251
+HK$8,676/mo
Deposit HK$19.61M · loan HK$29.42M · min. income ≈ HK$285,150/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$2,083,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,254
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$153,257
−HK$4,061/mo
Today · 4.125%
HK$157,318
baseline
▲ 0.50% · 4.625%
HK$165,610
+HK$8,292/mo
Deposit HK$19.61M · loan HK$29.42M · min. income ≈ HK$314,636/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$2,083,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,522
−HK$9,816/mo
▼ 0.25% · 3.875%
HK$161,391
−HK$4,947/mo
Today · 4.125%
HK$166,338
baseline
▲ 0.50% · 4.625%
HK$176,459
+HK$10,121/mo
Deposit HK$14.71M · loan HK$34.32M · min. income ≈ HK$332,676/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$2,083,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,130
−HK$9,407/mo
▼ 0.25% · 3.875%
HK$178,800
−HK$4,737/mo
Today · 4.125%
HK$183,537
baseline
▲ 0.50% · 4.625%
HK$193,212
+HK$9,675/mo
Deposit HK$14.71M · loan HK$34.32M · min. income ≈ HK$367,074/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$2,083,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,243
−HK$12,620/mo
▼ 0.25% · 3.875%
HK$207,503
−HK$6,360/mo
Today · 4.125%
HK$213,863
baseline
▲ 0.50% · 4.625%
HK$226,876
+HK$13,013/mo
Deposit HK$4.90M · loan HK$44.13M · min. income ≈ HK$427,726/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,083,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,881
−HK$12,096/mo
▼ 0.25% · 3.875%
HK$229,885
−HK$6,092/mo
Today · 4.125%
HK$235,977
baseline
▲ 0.50% · 4.625%
HK$248,415
+HK$12,438/mo
Deposit HK$4.90M · loan HK$44.13M · min. income ≈ HK$471,954/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,083,790 · Scale 2, in force from 26 Feb 2026)