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$112,183
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$115,672
−HK$3,546/mo
Today · 4.125%
HK$119,218
baseline
▲ 0.50% · 4.625%
HK$126,472
+HK$7,254/mo
Deposit HK$24.60M · loan HK$24.60M · min. income ≈ HK$238,436/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,090,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,802
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$128,149
−HK$3,396/mo
Today · 4.125%
HK$131,545
baseline
▲ 0.50% · 4.625%
HK$138,479
+HK$6,934/mo
Deposit HK$24.60M · loan HK$24.60M · min. income ≈ HK$263,090/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,090,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,619
−HK$8,442/mo
▼ 0.25% · 3.875%
HK$138,807
−HK$4,254/mo
Today · 4.125%
HK$143,061
baseline
▲ 0.50% · 4.625%
HK$151,766
+HK$8,705/mo
Deposit HK$19.68M · loan HK$29.52M · min. income ≈ HK$286,122/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,090,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,763
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$153,779
−HK$4,075/mo
Today · 4.125%
HK$157,854
baseline
▲ 0.50% · 4.625%
HK$166,175
+HK$8,321/mo
Deposit HK$19.68M · loan HK$29.52M · min. income ≈ HK$315,708/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,090,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,056
−HK$9,849/mo
▼ 0.25% · 3.875%
HK$161,941
−HK$4,964/mo
Today · 4.125%
HK$166,905
baseline
▲ 0.50% · 4.625%
HK$177,060
+HK$10,155/mo
Deposit HK$14.76M · loan HK$34.44M · min. income ≈ HK$333,810/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,090,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,723
−HK$9,440/mo
▼ 0.25% · 3.875%
HK$179,409
−HK$4,754/mo
Today · 4.125%
HK$184,163
baseline
▲ 0.50% · 4.625%
HK$193,870
+HK$9,707/mo
Deposit HK$14.76M · loan HK$34.44M · min. income ≈ HK$368,326/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,090,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,929
−HK$12,663/mo
▼ 0.25% · 3.875%
HK$208,210
−HK$6,382/mo
Today · 4.125%
HK$214,592
baseline
▲ 0.50% · 4.625%
HK$227,649
+HK$13,057/mo
Deposit HK$4.92M · loan HK$44.28M · min. income ≈ HK$429,184/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,090,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,644
−HK$12,137/mo
▼ 0.25% · 3.875%
HK$230,669
−HK$6,112/mo
Today · 4.125%
HK$236,781
baseline
▲ 0.50% · 4.625%
HK$249,262
+HK$12,481/mo
Deposit HK$4.92M · loan HK$44.28M · min. income ≈ HK$473,562/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,090,892 · Scale 2, in force from 26 Feb 2026)