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$112,064
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,550
−HK$3,541/mo
Today · 4.125%
HK$119,091
baseline
▲ 0.50% · 4.625%
HK$126,338
+HK$7,247/mo
Deposit HK$24.57M · loan HK$24.57M · min. income ≈ HK$238,182/mo (50% DSR)
Upfront cash ≈ HK$26.66M (deposit + AVD stamp duty HK$2,088,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,670
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,014
−HK$3,392/mo
Today · 4.125%
HK$131,406
baseline
▲ 0.50% · 4.625%
HK$138,332
+HK$6,926/mo
Deposit HK$24.57M · loan HK$24.57M · min. income ≈ HK$262,812/mo (50% DSR)
Upfront cash ≈ HK$26.66M (deposit + AVD stamp duty HK$2,088,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,477
−HK$8,433/mo
▼ 0.25% · 3.875%
HK$138,660
−HK$4,250/mo
Today · 4.125%
HK$142,910
baseline
▲ 0.50% · 4.625%
HK$151,605
+HK$8,695/mo
Deposit HK$19.66M · loan HK$29.49M · min. income ≈ HK$285,820/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,088,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,604
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$153,616
−HK$4,071/mo
Today · 4.125%
HK$157,687
baseline
▲ 0.50% · 4.625%
HK$165,999
+HK$8,312/mo
Deposit HK$19.66M · loan HK$29.49M · min. income ≈ HK$315,374/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,088,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,890
−HK$9,838/mo
▼ 0.25% · 3.875%
HK$161,770
−HK$4,958/mo
Today · 4.125%
HK$166,728
baseline
▲ 0.50% · 4.625%
HK$176,873
+HK$10,145/mo
Deposit HK$14.74M · loan HK$34.40M · min. income ≈ HK$333,456/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,088,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,538
−HK$9,430/mo
▼ 0.25% · 3.875%
HK$179,219
−HK$4,749/mo
Today · 4.125%
HK$183,968
baseline
▲ 0.50% · 4.625%
HK$193,665
+HK$9,697/mo
Deposit HK$14.74M · loan HK$34.40M · min. income ≈ HK$367,936/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,088,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,715
−HK$12,649/mo
▼ 0.25% · 3.875%
HK$207,990
−HK$6,374/mo
Today · 4.125%
HK$214,364
baseline
▲ 0.50% · 4.625%
HK$227,408
+HK$13,044/mo
Deposit HK$4.91M · loan HK$44.23M · min. income ≈ HK$428,728/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,088,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,406
−HK$12,124/mo
▼ 0.25% · 3.875%
HK$230,425
−HK$6,105/mo
Today · 4.125%
HK$236,530
baseline
▲ 0.50% · 4.625%
HK$248,998
+HK$12,468/mo
Deposit HK$4.91M · loan HK$44.23M · min. income ≈ HK$473,060/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,088,677 · Scale 2, in force from 26 Feb 2026)