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$112,213
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,704
−HK$3,546/mo
Today · 4.125%
HK$119,250
baseline
▲ 0.50% · 4.625%
HK$126,506
+HK$7,256/mo
Deposit HK$24.61M · loan HK$24.61M · min. income ≈ HK$238,500/mo (50% DSR)
Upfront cash ≈ HK$26.70M (deposit + AVD stamp duty HK$2,091,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,836
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,184
−HK$3,396/mo
Today · 4.125%
HK$131,580
baseline
▲ 0.50% · 4.625%
HK$138,516
+HK$6,936/mo
Deposit HK$24.61M · loan HK$24.61M · min. income ≈ HK$263,160/mo (50% DSR)
Upfront cash ≈ HK$26.70M (deposit + AVD stamp duty HK$2,091,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,656
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$138,844
−HK$4,256/mo
Today · 4.125%
HK$143,100
baseline
▲ 0.50% · 4.625%
HK$151,807
+HK$8,707/mo
Deposit HK$19.68M · loan HK$29.53M · min. income ≈ HK$286,200/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,091,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,803
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$153,821
−HK$4,076/mo
Today · 4.125%
HK$157,897
baseline
▲ 0.50% · 4.625%
HK$166,220
+HK$8,323/mo
Deposit HK$19.68M · loan HK$29.53M · min. income ≈ HK$315,794/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,091,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,098
−HK$9,852/mo
▼ 0.25% · 3.875%
HK$161,985
−HK$4,965/mo
Today · 4.125%
HK$166,950
baseline
▲ 0.50% · 4.625%
HK$177,108
+HK$10,158/mo
Deposit HK$14.76M · loan HK$34.45M · min. income ≈ HK$333,900/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,091,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,770
−HK$9,443/mo
▼ 0.25% · 3.875%
HK$179,458
−HK$4,755/mo
Today · 4.125%
HK$184,213
baseline
▲ 0.50% · 4.625%
HK$193,923
+HK$9,710/mo
Deposit HK$14.76M · loan HK$34.45M · min. income ≈ HK$368,426/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,091,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,984
−HK$12,666/mo
▼ 0.25% · 3.875%
HK$208,266
−HK$6,384/mo
Today · 4.125%
HK$214,650
baseline
▲ 0.50% · 4.625%
HK$227,711
+HK$13,061/mo
Deposit HK$4.92M · loan HK$44.29M · min. income ≈ HK$429,300/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,091,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,705
−HK$12,140/mo
▼ 0.25% · 3.875%
HK$230,731
−HK$6,114/mo
Today · 4.125%
HK$236,845
baseline
▲ 0.50% · 4.625%
HK$249,329
+HK$12,484/mo
Deposit HK$4.92M · loan HK$44.29M · min. income ≈ HK$473,690/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,091,457 · Scale 2, in force from 26 Feb 2026)