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$111,999
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$115,483
−HK$3,540/mo
Today · 4.125%
HK$119,023
baseline
▲ 0.50% · 4.625%
HK$126,265
+HK$7,242/mo
Deposit HK$24.56M · loan HK$24.56M · min. income ≈ HK$238,046/mo (50% DSR)
Upfront cash ≈ HK$26.65M (deposit + AVD stamp duty HK$2,087,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,598
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$127,940
−HK$3,390/mo
Today · 4.125%
HK$131,330
baseline
▲ 0.50% · 4.625%
HK$138,252
+HK$6,922/mo
Deposit HK$24.56M · loan HK$24.56M · min. income ≈ HK$262,660/mo (50% DSR)
Upfront cash ≈ HK$26.65M (deposit + AVD stamp duty HK$2,087,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,399
−HK$8,428/mo
▼ 0.25% · 3.875%
HK$138,580
−HK$4,247/mo
Today · 4.125%
HK$142,827
baseline
▲ 0.50% · 4.625%
HK$151,518
+HK$8,691/mo
Deposit HK$19.65M · loan HK$29.47M · min. income ≈ HK$285,654/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,087,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,518
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$153,528
−HK$4,068/mo
Today · 4.125%
HK$157,596
baseline
▲ 0.50% · 4.625%
HK$165,903
+HK$8,307/mo
Deposit HK$19.65M · loan HK$29.47M · min. income ≈ HK$315,192/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,087,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,799
−HK$9,833/mo
▼ 0.25% · 3.875%
HK$161,676
−HK$4,956/mo
Today · 4.125%
HK$166,632
baseline
▲ 0.50% · 4.625%
HK$176,771
+HK$10,139/mo
Deposit HK$14.74M · loan HK$34.38M · min. income ≈ HK$333,264/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$2,087,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,437
−HK$9,425/mo
▼ 0.25% · 3.875%
HK$179,116
−HK$4,746/mo
Today · 4.125%
HK$183,862
baseline
▲ 0.50% · 4.625%
HK$193,553
+HK$9,691/mo
Deposit HK$14.74M · loan HK$34.38M · min. income ≈ HK$367,724/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$2,087,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,599
−HK$12,642/mo
▼ 0.25% · 3.875%
HK$207,870
−HK$6,371/mo
Today · 4.125%
HK$214,241
baseline
▲ 0.50% · 4.625%
HK$227,277
+HK$13,036/mo
Deposit HK$4.91M · loan HK$44.21M · min. income ≈ HK$428,482/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,277
−HK$12,117/mo
▼ 0.25% · 3.875%
HK$230,292
−HK$6,102/mo
Today · 4.125%
HK$236,394
baseline
▲ 0.50% · 4.625%
HK$248,854
+HK$12,460/mo
Deposit HK$4.91M · loan HK$44.21M · min. income ≈ HK$472,788/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,473 · Scale 2, in force from 26 Feb 2026)