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$112,150
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$115,639
−HK$3,544/mo
Today · 4.125%
HK$119,183
baseline
▲ 0.50% · 4.625%
HK$126,435
+HK$7,252/mo
Deposit HK$24.59M · loan HK$24.59M · min. income ≈ HK$238,366/mo (50% DSR)
Upfront cash ≈ HK$26.68M (deposit + AVD stamp duty HK$2,090,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,766
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$128,112
−HK$3,395/mo
Today · 4.125%
HK$131,507
baseline
▲ 0.50% · 4.625%
HK$138,439
+HK$6,932/mo
Deposit HK$24.59M · loan HK$24.59M · min. income ≈ HK$263,014/mo (50% DSR)
Upfront cash ≈ HK$26.68M (deposit + AVD stamp duty HK$2,090,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,580
−HK$8,440/mo
▼ 0.25% · 3.875%
HK$138,766
−HK$4,254/mo
Today · 4.125%
HK$143,020
baseline
▲ 0.50% · 4.625%
HK$151,722
+HK$8,702/mo
Deposit HK$19.67M · loan HK$29.51M · min. income ≈ HK$286,040/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,090,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,719
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$153,735
−HK$4,073/mo
Today · 4.125%
HK$157,808
baseline
▲ 0.50% · 4.625%
HK$166,126
+HK$8,318/mo
Deposit HK$19.67M · loan HK$29.51M · min. income ≈ HK$315,616/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,090,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,010
−HK$9,846/mo
▼ 0.25% · 3.875%
HK$161,894
−HK$4,962/mo
Today · 4.125%
HK$166,856
baseline
▲ 0.50% · 4.625%
HK$177,009
+HK$10,153/mo
Deposit HK$14.75M · loan HK$34.43M · min. income ≈ HK$333,712/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,090,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,672
−HK$9,437/mo
▼ 0.25% · 3.875%
HK$179,357
−HK$4,752/mo
Today · 4.125%
HK$184,109
baseline
▲ 0.50% · 4.625%
HK$193,814
+HK$9,705/mo
Deposit HK$14.75M · loan HK$34.43M · min. income ≈ HK$368,218/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,090,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,870
−HK$12,659/mo
▼ 0.25% · 3.875%
HK$208,150
−HK$6,379/mo
Today · 4.125%
HK$214,529
baseline
▲ 0.50% · 4.625%
HK$227,583
+HK$13,054/mo
Deposit HK$4.92M · loan HK$44.26M · min. income ≈ HK$429,058/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,090,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,579
−HK$12,133/mo
▼ 0.25% · 3.875%
HK$230,602
−HK$6,110/mo
Today · 4.125%
HK$236,712
baseline
▲ 0.50% · 4.625%
HK$249,189
+HK$12,477/mo
Deposit HK$4.92M · loan HK$44.26M · min. income ≈ HK$473,424/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,090,285 · Scale 2, in force from 26 Feb 2026)