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$111,954
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$115,437
−HK$3,538/mo
Today · 4.125%
HK$118,975
baseline
▲ 0.50% · 4.625%
HK$126,214
+HK$7,239/mo
Deposit HK$24.55M · loan HK$24.55M · min. income ≈ HK$237,950/mo (50% DSR)
Upfront cash ≈ HK$26.64M (deposit + AVD stamp duty HK$2,086,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,548
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$127,888
−HK$3,389/mo
Today · 4.125%
HK$131,277
baseline
▲ 0.50% · 4.625%
HK$138,197
+HK$6,920/mo
Deposit HK$24.55M · loan HK$24.55M · min. income ≈ HK$262,554/mo (50% DSR)
Upfront cash ≈ HK$26.64M (deposit + AVD stamp duty HK$2,086,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,345
−HK$8,425/mo
▼ 0.25% · 3.875%
HK$138,524
−HK$4,246/mo
Today · 4.125%
HK$142,770
baseline
▲ 0.50% · 4.625%
HK$151,457
+HK$8,687/mo
Deposit HK$19.64M · loan HK$29.46M · min. income ≈ HK$285,540/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,086,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,457
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$153,466
−HK$4,066/mo
Today · 4.125%
HK$157,532
baseline
▲ 0.50% · 4.625%
HK$165,836
+HK$8,304/mo
Deposit HK$19.64M · loan HK$29.46M · min. income ≈ HK$315,064/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,086,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,736
−HK$9,828/mo
▼ 0.25% · 3.875%
HK$161,611
−HK$4,953/mo
Today · 4.125%
HK$166,564
baseline
▲ 0.50% · 4.625%
HK$176,700
+HK$10,136/mo
Deposit HK$14.73M · loan HK$34.37M · min. income ≈ HK$333,128/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$2,086,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,367
−HK$9,420/mo
▼ 0.25% · 3.875%
HK$179,043
−HK$4,744/mo
Today · 4.125%
HK$183,787
baseline
▲ 0.50% · 4.625%
HK$193,475
+HK$9,688/mo
Deposit HK$14.73M · loan HK$34.37M · min. income ≈ HK$367,574/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$2,086,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,517
−HK$12,637/mo
▼ 0.25% · 3.875%
HK$207,786
−HK$6,368/mo
Today · 4.125%
HK$214,154
baseline
▲ 0.50% · 4.625%
HK$227,185
+HK$13,031/mo
Deposit HK$4.91M · loan HK$44.19M · min. income ≈ HK$428,308/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,086,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,186
−HK$12,112/mo
▼ 0.25% · 3.875%
HK$230,199
−HK$6,099/mo
Today · 4.125%
HK$236,298
baseline
▲ 0.50% · 4.625%
HK$248,754
+HK$12,456/mo
Deposit HK$4.91M · loan HK$44.19M · min. income ≈ HK$472,596/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,086,630 · Scale 2, in force from 26 Feb 2026)