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$112,289
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,782
−HK$3,549/mo
Today · 4.125%
HK$119,331
baseline
▲ 0.50% · 4.625%
HK$126,592
+HK$7,261/mo
Deposit HK$24.62M · loan HK$24.62M · min. income ≈ HK$238,662/mo (50% DSR)
Upfront cash ≈ HK$26.71M (deposit + AVD stamp duty HK$2,092,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,921
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,271
−HK$3,399/mo
Today · 4.125%
HK$131,670
baseline
▲ 0.50% · 4.625%
HK$138,610
+HK$6,940/mo
Deposit HK$24.62M · loan HK$24.62M · min. income ≈ HK$263,340/mo (50% DSR)
Upfront cash ≈ HK$26.71M (deposit + AVD stamp duty HK$2,092,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,747
−HK$8,450/mo
▼ 0.25% · 3.875%
HK$138,939
−HK$4,258/mo
Today · 4.125%
HK$143,197
baseline
▲ 0.50% · 4.625%
HK$151,910
+HK$8,713/mo
Deposit HK$19.70M · loan HK$29.55M · min. income ≈ HK$286,394/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,092,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,905
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$153,925
−HK$4,079/mo
Today · 4.125%
HK$158,004
baseline
▲ 0.50% · 4.625%
HK$166,333
+HK$8,329/mo
Deposit HK$19.70M · loan HK$29.55M · min. income ≈ HK$316,008/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,092,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,205
−HK$9,858/mo
▼ 0.25% · 3.875%
HK$162,095
−HK$4,968/mo
Today · 4.125%
HK$167,063
baseline
▲ 0.50% · 4.625%
HK$177,229
+HK$10,166/mo
Deposit HK$14.77M · loan HK$34.47M · min. income ≈ HK$334,126/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$2,092,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,889
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$179,580
−HK$4,758/mo
Today · 4.125%
HK$184,338
baseline
▲ 0.50% · 4.625%
HK$194,055
+HK$9,717/mo
Deposit HK$14.77M · loan HK$34.47M · min. income ≈ HK$368,676/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$2,092,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,121
−HK$12,675/mo
▼ 0.25% · 3.875%
HK$208,408
−HK$6,388/mo
Today · 4.125%
HK$214,796
baseline
▲ 0.50% · 4.625%
HK$227,866
+HK$13,070/mo
Deposit HK$4.92M · loan HK$44.32M · min. income ≈ HK$429,592/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,092,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,858
−HK$12,148/mo
▼ 0.25% · 3.875%
HK$230,888
−HK$6,118/mo
Today · 4.125%
HK$237,006
baseline
▲ 0.50% · 4.625%
HK$249,499
+HK$12,493/mo
Deposit HK$4.92M · loan HK$44.32M · min. income ≈ HK$474,012/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,092,879 · Scale 2, in force from 26 Feb 2026)