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$112,101
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$115,588
−HK$3,543/mo
Today · 4.125%
HK$119,131
baseline
▲ 0.50% · 4.625%
HK$126,380
+HK$7,249/mo
Deposit HK$24.58M · loan HK$24.58M · min. income ≈ HK$238,262/mo (50% DSR)
Upfront cash ≈ HK$26.67M (deposit + AVD stamp duty HK$2,089,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,712
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$128,056
−HK$3,393/mo
Today · 4.125%
HK$131,449
baseline
▲ 0.50% · 4.625%
HK$138,378
+HK$6,929/mo
Deposit HK$24.58M · loan HK$24.58M · min. income ≈ HK$262,898/mo (50% DSR)
Upfront cash ≈ HK$26.67M (deposit + AVD stamp duty HK$2,089,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,522
−HK$8,435/mo
▼ 0.25% · 3.875%
HK$138,706
−HK$4,251/mo
Today · 4.125%
HK$142,957
baseline
▲ 0.50% · 4.625%
HK$151,656
+HK$8,699/mo
Deposit HK$19.66M · loan HK$29.50M · min. income ≈ HK$285,914/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,089,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,654
−HK$8,085/mo
▼ 0.25% · 3.875%
HK$153,668
−HK$4,071/mo
Today · 4.125%
HK$157,739
baseline
▲ 0.50% · 4.625%
HK$166,054
+HK$8,315/mo
Deposit HK$19.66M · loan HK$29.50M · min. income ≈ HK$315,478/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,089,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,942
−HK$9,842/mo
▼ 0.25% · 3.875%
HK$161,824
−HK$4,960/mo
Today · 4.125%
HK$166,784
baseline
▲ 0.50% · 4.625%
HK$176,932
+HK$10,148/mo
Deposit HK$14.75M · loan HK$34.41M · min. income ≈ HK$333,568/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,089,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,596
−HK$9,433/mo
▼ 0.25% · 3.875%
HK$179,279
−HK$4,750/mo
Today · 4.125%
HK$184,029
baseline
▲ 0.50% · 4.625%
HK$193,730
+HK$9,701/mo
Deposit HK$14.75M · loan HK$34.41M · min. income ≈ HK$368,058/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,089,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,783
−HK$12,653/mo
▼ 0.25% · 3.875%
HK$208,059
−HK$6,377/mo
Today · 4.125%
HK$214,436
baseline
▲ 0.50% · 4.625%
HK$227,484
+HK$13,048/mo
Deposit HK$4.92M · loan HK$44.25M · min. income ≈ HK$428,872/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,089,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,481
−HK$12,128/mo
▼ 0.25% · 3.875%
HK$230,502
−HK$6,107/mo
Today · 4.125%
HK$236,609
baseline
▲ 0.50% · 4.625%
HK$249,081
+HK$12,472/mo
Deposit HK$4.92M · loan HK$44.25M · min. income ≈ HK$473,218/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,089,375 · Scale 2, in force from 26 Feb 2026)