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$112,026
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$115,510
−HK$3,541/mo
Today · 4.125%
HK$119,051
baseline
▲ 0.50% · 4.625%
HK$126,295
+HK$7,244/mo
Deposit HK$24.56M · loan HK$24.56M · min. income ≈ HK$238,102/mo (50% DSR)
Upfront cash ≈ HK$26.65M (deposit + AVD stamp duty HK$2,087,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,627
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,970
−HK$3,391/mo
Today · 4.125%
HK$131,361
baseline
▲ 0.50% · 4.625%
HK$138,285
+HK$6,924/mo
Deposit HK$24.56M · loan HK$24.56M · min. income ≈ HK$262,722/mo (50% DSR)
Upfront cash ≈ HK$26.65M (deposit + AVD stamp duty HK$2,087,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,431
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$138,612
−HK$4,249/mo
Today · 4.125%
HK$142,861
baseline
▲ 0.50% · 4.625%
HK$151,554
+HK$8,693/mo
Deposit HK$19.65M · loan HK$29.48M · min. income ≈ HK$285,722/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$2,087,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,553
−HK$8,080/mo
▼ 0.25% · 3.875%
HK$153,564
−HK$4,069/mo
Today · 4.125%
HK$157,633
baseline
▲ 0.50% · 4.625%
HK$165,942
+HK$8,309/mo
Deposit HK$19.65M · loan HK$29.48M · min. income ≈ HK$315,266/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$2,087,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,836
−HK$9,835/mo
▼ 0.25% · 3.875%
HK$161,714
−HK$4,957/mo
Today · 4.125%
HK$166,671
baseline
▲ 0.50% · 4.625%
HK$176,812
+HK$10,141/mo
Deposit HK$14.74M · loan HK$34.39M · min. income ≈ HK$333,342/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,087,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,478
−HK$9,427/mo
▼ 0.25% · 3.875%
HK$179,158
−HK$4,747/mo
Today · 4.125%
HK$183,905
baseline
▲ 0.50% · 4.625%
HK$193,599
+HK$9,694/mo
Deposit HK$14.74M · loan HK$34.39M · min. income ≈ HK$367,810/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,087,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,646
−HK$12,645/mo
▼ 0.25% · 3.875%
HK$207,919
−HK$6,372/mo
Today · 4.125%
HK$214,291
baseline
▲ 0.50% · 4.625%
HK$227,330
+HK$13,039/mo
Deposit HK$4.91M · loan HK$44.22M · min. income ≈ HK$428,582/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,329
−HK$12,120/mo
▼ 0.25% · 3.875%
HK$230,346
−HK$6,103/mo
Today · 4.125%
HK$236,449
baseline
▲ 0.50% · 4.625%
HK$248,913
+HK$12,464/mo
Deposit HK$4.91M · loan HK$44.22M · min. income ≈ HK$472,898/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,963 · Scale 2, in force from 26 Feb 2026)