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$111,540
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$115,009
−HK$3,525/mo
Today · 4.125%
HK$118,534
baseline
▲ 0.50% · 4.625%
HK$125,747
+HK$7,213/mo
Deposit HK$24.46M · loan HK$24.46M · min. income ≈ HK$237,068/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,078,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,087
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,415
−HK$3,376/mo
Today · 4.125%
HK$130,791
baseline
▲ 0.50% · 4.625%
HK$137,685
+HK$6,894/mo
Deposit HK$24.46M · loan HK$24.46M · min. income ≈ HK$261,582/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,078,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,848
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$138,011
−HK$4,230/mo
Today · 4.125%
HK$142,241
baseline
▲ 0.50% · 4.625%
HK$150,896
+HK$8,655/mo
Deposit HK$19.57M · loan HK$29.35M · min. income ≈ HK$284,482/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,078,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,904
−HK$8,045/mo
▼ 0.25% · 3.875%
HK$152,898
−HK$4,051/mo
Today · 4.125%
HK$156,949
baseline
▲ 0.50% · 4.625%
HK$165,222
+HK$8,273/mo
Deposit HK$19.57M · loan HK$29.35M · min. income ≈ HK$313,898/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,078,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,156
−HK$9,792/mo
▼ 0.25% · 3.875%
HK$161,013
−HK$4,935/mo
Today · 4.125%
HK$165,948
baseline
▲ 0.50% · 4.625%
HK$176,046
+HK$10,098/mo
Deposit HK$14.67M · loan HK$34.24M · min. income ≈ HK$331,896/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$2,078,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,722
−HK$9,385/mo
▼ 0.25% · 3.875%
HK$178,381
−HK$4,726/mo
Today · 4.125%
HK$183,107
baseline
▲ 0.50% · 4.625%
HK$192,759
+HK$9,652/mo
Deposit HK$14.67M · loan HK$34.24M · min. income ≈ HK$366,214/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$2,078,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,772
−HK$12,590/mo
▼ 0.25% · 3.875%
HK$207,017
−HK$6,345/mo
Today · 4.125%
HK$213,362
baseline
▲ 0.50% · 4.625%
HK$226,344
+HK$12,982/mo
Deposit HK$4.89M · loan HK$44.02M · min. income ≈ HK$426,724/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,078,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,357
−HK$12,067/mo
▼ 0.25% · 3.875%
HK$229,347
−HK$6,077/mo
Today · 4.125%
HK$235,424
baseline
▲ 0.50% · 4.625%
HK$247,833
+HK$12,409/mo
Deposit HK$4.89M · loan HK$44.02M · min. income ≈ HK$470,848/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,078,908 · Scale 2, in force from 26 Feb 2026)