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$112,138
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,627
−HK$3,543/mo
Today · 4.125%
HK$119,170
baseline
▲ 0.50% · 4.625%
HK$126,422
+HK$7,252/mo
Deposit HK$24.59M · loan HK$24.59M · min. income ≈ HK$238,340/mo (50% DSR)
Upfront cash ≈ HK$26.68M (deposit + AVD stamp duty HK$2,090,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,753
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$128,099
−HK$3,394/mo
Today · 4.125%
HK$131,493
baseline
▲ 0.50% · 4.625%
HK$138,424
+HK$6,931/mo
Deposit HK$24.59M · loan HK$24.59M · min. income ≈ HK$262,986/mo (50% DSR)
Upfront cash ≈ HK$26.68M (deposit + AVD stamp duty HK$2,090,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,566
−HK$8,439/mo
▼ 0.25% · 3.875%
HK$138,752
−HK$4,253/mo
Today · 4.125%
HK$143,005
baseline
▲ 0.50% · 4.625%
HK$151,706
+HK$8,701/mo
Deposit HK$19.67M · loan HK$29.51M · min. income ≈ HK$286,010/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,090,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,703
−HK$8,088/mo
▼ 0.25% · 3.875%
HK$153,718
−HK$4,073/mo
Today · 4.125%
HK$157,791
baseline
▲ 0.50% · 4.625%
HK$166,109
+HK$8,318/mo
Deposit HK$19.67M · loan HK$29.51M · min. income ≈ HK$315,582/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,090,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,994
−HK$9,845/mo
▼ 0.25% · 3.875%
HK$161,877
−HK$4,962/mo
Today · 4.125%
HK$166,839
baseline
▲ 0.50% · 4.625%
HK$176,990
+HK$10,151/mo
Deposit HK$14.75M · loan HK$34.42M · min. income ≈ HK$333,678/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,090,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,654
−HK$9,436/mo
▼ 0.25% · 3.875%
HK$179,338
−HK$4,752/mo
Today · 4.125%
HK$184,090
baseline
▲ 0.50% · 4.625%
HK$193,794
+HK$9,704/mo
Deposit HK$14.75M · loan HK$34.42M · min. income ≈ HK$368,180/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,090,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,849
−HK$12,658/mo
▼ 0.25% · 3.875%
HK$208,128
−HK$6,379/mo
Today · 4.125%
HK$214,507
baseline
▲ 0.50% · 4.625%
HK$227,559
+HK$13,052/mo
Deposit HK$4.92M · loan HK$44.26M · min. income ≈ HK$429,014/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,090,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,555
−HK$12,132/mo
▼ 0.25% · 3.875%
HK$230,578
−HK$6,109/mo
Today · 4.125%
HK$236,687
baseline
▲ 0.50% · 4.625%
HK$249,163
+HK$12,476/mo
Deposit HK$4.92M · loan HK$44.26M · min. income ≈ HK$473,374/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,090,064 · Scale 2, in force from 26 Feb 2026)