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$111,777
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$115,254
−HK$3,532/mo
Today · 4.125%
HK$118,786
baseline
▲ 0.50% · 4.625%
HK$126,014
+HK$7,228/mo
Deposit HK$24.51M · loan HK$24.51M · min. income ≈ HK$237,572/mo (50% DSR)
Upfront cash ≈ HK$26.59M (deposit + AVD stamp duty HK$2,083,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,351
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,686
−HK$3,383/mo
Today · 4.125%
HK$131,069
baseline
▲ 0.50% · 4.625%
HK$137,978
+HK$6,909/mo
Deposit HK$24.51M · loan HK$24.51M · min. income ≈ HK$262,138/mo (50% DSR)
Upfront cash ≈ HK$26.59M (deposit + AVD stamp duty HK$2,083,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,132
−HK$8,412/mo
▼ 0.25% · 3.875%
HK$138,305
−HK$4,239/mo
Today · 4.125%
HK$142,544
baseline
▲ 0.50% · 4.625%
HK$151,217
+HK$8,673/mo
Deposit HK$19.61M · loan HK$29.41M · min. income ≈ HK$285,088/mo (50% DSR)
Upfront cash ≈ HK$21.69M (deposit + AVD stamp duty HK$2,083,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,221
−HK$8,062/mo
▼ 0.25% · 3.875%
HK$153,223
−HK$4,060/mo
Today · 4.125%
HK$157,283
baseline
▲ 0.50% · 4.625%
HK$165,573
+HK$8,290/mo
Deposit HK$19.61M · loan HK$29.41M · min. income ≈ HK$314,566/mo (50% DSR)
Upfront cash ≈ HK$21.69M (deposit + AVD stamp duty HK$2,083,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,488
−HK$9,813/mo
▼ 0.25% · 3.875%
HK$161,355
−HK$4,946/mo
Today · 4.125%
HK$166,301
baseline
▲ 0.50% · 4.625%
HK$176,420
+HK$10,119/mo
Deposit HK$14.71M · loan HK$34.31M · min. income ≈ HK$332,602/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$2,083,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,091
−HK$9,406/mo
▼ 0.25% · 3.875%
HK$178,760
−HK$4,737/mo
Today · 4.125%
HK$183,497
baseline
▲ 0.50% · 4.625%
HK$193,169
+HK$9,672/mo
Deposit HK$14.71M · loan HK$34.31M · min. income ≈ HK$366,994/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$2,083,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,198
−HK$12,617/mo
▼ 0.25% · 3.875%
HK$207,457
−HK$6,358/mo
Today · 4.125%
HK$213,815
baseline
▲ 0.50% · 4.625%
HK$226,826
+HK$13,011/mo
Deposit HK$4.90M · loan HK$44.12M · min. income ≈ HK$427,630/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,083,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,831
−HK$12,093/mo
▼ 0.25% · 3.875%
HK$229,834
−HK$6,090/mo
Today · 4.125%
HK$235,924
baseline
▲ 0.50% · 4.625%
HK$248,360
+HK$12,436/mo
Deposit HK$4.90M · loan HK$44.12M · min. income ≈ HK$471,848/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,083,328 · Scale 2, in force from 26 Feb 2026)