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$111,676
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,150
−HK$3,529/mo
Today · 4.125%
HK$118,679
baseline
▲ 0.50% · 4.625%
HK$125,900
+HK$7,221/mo
Deposit HK$24.49M · loan HK$24.49M · min. income ≈ HK$237,358/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,081,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,238
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,570
−HK$3,380/mo
Today · 4.125%
HK$130,950
baseline
▲ 0.50% · 4.625%
HK$137,853
+HK$6,903/mo
Deposit HK$24.49M · loan HK$24.49M · min. income ≈ HK$261,900/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,081,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,011
−HK$8,404/mo
▼ 0.25% · 3.875%
HK$138,179
−HK$4,236/mo
Today · 4.125%
HK$142,415
baseline
▲ 0.50% · 4.625%
HK$151,080
+HK$8,665/mo
Deposit HK$19.59M · loan HK$29.39M · min. income ≈ HK$284,830/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$2,081,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,086
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$153,084
−HK$4,056/mo
Today · 4.125%
HK$157,140
baseline
▲ 0.50% · 4.625%
HK$165,424
+HK$8,284/mo
Deposit HK$19.59M · loan HK$29.39M · min. income ≈ HK$314,280/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$2,081,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,346
−HK$9,804/mo
▼ 0.25% · 3.875%
HK$161,209
−HK$4,941/mo
Today · 4.125%
HK$166,150
baseline
▲ 0.50% · 4.625%
HK$176,260
+HK$10,110/mo
Deposit HK$14.69M · loan HK$34.28M · min. income ≈ HK$332,300/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$2,081,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,933
−HK$9,398/mo
▼ 0.25% · 3.875%
HK$178,598
−HK$4,733/mo
Today · 4.125%
HK$183,331
baseline
▲ 0.50% · 4.625%
HK$192,994
+HK$9,663/mo
Deposit HK$14.69M · loan HK$34.28M · min. income ≈ HK$366,662/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$2,081,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,016
−HK$12,606/mo
▼ 0.25% · 3.875%
HK$207,269
−HK$6,353/mo
Today · 4.125%
HK$213,622
baseline
▲ 0.50% · 4.625%
HK$226,620
+HK$12,998/mo
Deposit HK$4.90M · loan HK$44.08M · min. income ≈ HK$427,244/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,081,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,629
−HK$12,082/mo
▼ 0.25% · 3.875%
HK$229,626
−HK$6,085/mo
Today · 4.125%
HK$235,711
baseline
▲ 0.50% · 4.625%
HK$248,135
+HK$12,424/mo
Deposit HK$4.90M · loan HK$44.08M · min. income ≈ HK$471,422/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,081,442 · Scale 2, in force from 26 Feb 2026)