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$112,204
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,694
−HK$3,546/mo
Today · 4.125%
HK$119,240
baseline
▲ 0.50% · 4.625%
HK$126,495
+HK$7,255/mo
Deposit HK$24.60M · loan HK$24.60M · min. income ≈ HK$238,480/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,091,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,825
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,173
−HK$3,396/mo
Today · 4.125%
HK$131,569
baseline
▲ 0.50% · 4.625%
HK$138,504
+HK$6,935/mo
Deposit HK$24.60M · loan HK$24.60M · min. income ≈ HK$263,138/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,091,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,644
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$138,832
−HK$4,256/mo
Today · 4.125%
HK$143,088
baseline
▲ 0.50% · 4.625%
HK$151,794
+HK$8,706/mo
Deposit HK$19.68M · loan HK$29.52M · min. income ≈ HK$286,176/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,091,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,790
−HK$8,093/mo
▼ 0.25% · 3.875%
HK$153,808
−HK$4,075/mo
Today · 4.125%
HK$157,883
baseline
▲ 0.50% · 4.625%
HK$166,205
+HK$8,322/mo
Deposit HK$19.68M · loan HK$29.52M · min. income ≈ HK$315,766/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,091,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,085
−HK$9,851/mo
▼ 0.25% · 3.875%
HK$161,971
−HK$4,965/mo
Today · 4.125%
HK$166,936
baseline
▲ 0.50% · 4.625%
HK$177,093
+HK$10,157/mo
Deposit HK$14.76M · loan HK$34.44M · min. income ≈ HK$333,872/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,091,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,755
−HK$9,442/mo
▼ 0.25% · 3.875%
HK$179,442
−HK$4,755/mo
Today · 4.125%
HK$184,197
baseline
▲ 0.50% · 4.625%
HK$193,906
+HK$9,709/mo
Deposit HK$14.76M · loan HK$34.44M · min. income ≈ HK$368,394/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,091,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,966
−HK$12,665/mo
▼ 0.25% · 3.875%
HK$208,249
−HK$6,382/mo
Today · 4.125%
HK$214,631
baseline
▲ 0.50% · 4.625%
HK$227,691
+HK$13,060/mo
Deposit HK$4.92M · loan HK$44.29M · min. income ≈ HK$429,262/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,091,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,686
−HK$12,139/mo
▼ 0.25% · 3.875%
HK$230,711
−HK$6,114/mo
Today · 4.125%
HK$236,825
baseline
▲ 0.50% · 4.625%
HK$249,308
+HK$12,483/mo
Deposit HK$4.92M · loan HK$44.29M · min. income ≈ HK$473,650/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,091,278 · Scale 2, in force from 26 Feb 2026)