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$112,128
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,616
−HK$3,544/mo
Today · 4.125%
HK$119,160
baseline
▲ 0.50% · 4.625%
HK$126,410
+HK$7,250/mo
Deposit HK$24.59M · loan HK$24.59M · min. income ≈ HK$238,320/mo (50% DSR)
Upfront cash ≈ HK$26.68M (deposit + AVD stamp duty HK$2,089,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,742
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$128,087
−HK$3,394/mo
Today · 4.125%
HK$131,481
baseline
▲ 0.50% · 4.625%
HK$138,412
+HK$6,931/mo
Deposit HK$24.59M · loan HK$24.59M · min. income ≈ HK$262,962/mo (50% DSR)
Upfront cash ≈ HK$26.68M (deposit + AVD stamp duty HK$2,089,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,554
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$138,740
−HK$4,252/mo
Today · 4.125%
HK$142,992
baseline
▲ 0.50% · 4.625%
HK$151,693
+HK$8,701/mo
Deposit HK$19.67M · loan HK$29.50M · min. income ≈ HK$285,984/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,089,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,690
−HK$8,087/mo
▼ 0.25% · 3.875%
HK$153,705
−HK$4,072/mo
Today · 4.125%
HK$157,777
baseline
▲ 0.50% · 4.625%
HK$166,094
+HK$8,317/mo
Deposit HK$19.67M · loan HK$29.50M · min. income ≈ HK$315,554/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,089,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,980
−HK$9,844/mo
▼ 0.25% · 3.875%
HK$161,863
−HK$4,961/mo
Today · 4.125%
HK$166,824
baseline
▲ 0.50% · 4.625%
HK$176,975
+HK$10,151/mo
Deposit HK$14.75M · loan HK$34.42M · min. income ≈ HK$333,648/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,089,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,638
−HK$9,436/mo
▼ 0.25% · 3.875%
HK$179,322
−HK$4,752/mo
Today · 4.125%
HK$184,074
baseline
▲ 0.50% · 4.625%
HK$193,776
+HK$9,702/mo
Deposit HK$14.75M · loan HK$34.42M · min. income ≈ HK$368,148/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,089,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,831
−HK$12,657/mo
▼ 0.25% · 3.875%
HK$208,109
−HK$6,379/mo
Today · 4.125%
HK$214,488
baseline
▲ 0.50% · 4.625%
HK$227,539
+HK$13,051/mo
Deposit HK$4.92M · loan HK$44.26M · min. income ≈ HK$428,976/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,089,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,535
−HK$12,131/mo
▼ 0.25% · 3.875%
HK$230,557
−HK$6,109/mo
Today · 4.125%
HK$236,666
baseline
▲ 0.50% · 4.625%
HK$249,141
+HK$12,475/mo
Deposit HK$4.92M · loan HK$44.26M · min. income ≈ HK$473,332/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,089,879 · Scale 2, in force from 26 Feb 2026)