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$111,918
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,399
−HK$3,537/mo
Today · 4.125%
HK$118,936
baseline
▲ 0.50% · 4.625%
HK$126,173
+HK$7,237/mo
Deposit HK$24.54M · loan HK$24.54M · min. income ≈ HK$237,872/mo (50% DSR)
Upfront cash ≈ HK$26.63M (deposit + AVD stamp duty HK$2,085,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,508
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,847
−HK$3,388/mo
Today · 4.125%
HK$131,235
baseline
▲ 0.50% · 4.625%
HK$138,152
+HK$6,917/mo
Deposit HK$24.54M · loan HK$24.54M · min. income ≈ HK$262,470/mo (50% DSR)
Upfront cash ≈ HK$26.63M (deposit + AVD stamp duty HK$2,085,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,302
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$138,479
−HK$4,245/mo
Today · 4.125%
HK$142,724
baseline
▲ 0.50% · 4.625%
HK$151,408
+HK$8,684/mo
Deposit HK$19.63M · loan HK$29.45M · min. income ≈ HK$285,448/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,085,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,409
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$153,416
−HK$4,065/mo
Today · 4.125%
HK$157,481
baseline
▲ 0.50% · 4.625%
HK$165,782
+HK$8,301/mo
Deposit HK$19.63M · loan HK$29.45M · min. income ≈ HK$314,962/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,085,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,685
−HK$9,826/mo
▼ 0.25% · 3.875%
HK$161,559
−HK$4,952/mo
Today · 4.125%
HK$166,511
baseline
▲ 0.50% · 4.625%
HK$176,643
+HK$10,132/mo
Deposit HK$14.72M · loan HK$34.36M · min. income ≈ HK$333,022/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$2,085,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,311
−HK$9,417/mo
▼ 0.25% · 3.875%
HK$178,986
−HK$4,742/mo
Today · 4.125%
HK$183,728
baseline
▲ 0.50% · 4.625%
HK$193,413
+HK$9,685/mo
Deposit HK$14.72M · loan HK$34.36M · min. income ≈ HK$367,456/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$2,085,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,453
−HK$12,632/mo
▼ 0.25% · 3.875%
HK$207,719
−HK$6,366/mo
Today · 4.125%
HK$214,085
baseline
▲ 0.50% · 4.625%
HK$227,112
+HK$13,027/mo
Deposit HK$4.91M · loan HK$44.17M · min. income ≈ HK$428,170/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,085,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,114
−HK$12,108/mo
▼ 0.25% · 3.875%
HK$230,125
−HK$6,097/mo
Today · 4.125%
HK$236,222
baseline
▲ 0.50% · 4.625%
HK$248,674
+HK$12,452/mo
Deposit HK$4.91M · loan HK$44.17M · min. income ≈ HK$472,444/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,085,958 · Scale 2, in force from 26 Feb 2026)