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$112,068
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$115,554
−HK$3,542/mo
Today · 4.125%
HK$119,096
baseline
▲ 0.50% · 4.625%
HK$126,342
+HK$7,246/mo
Deposit HK$24.57M · loan HK$24.57M · min. income ≈ HK$238,192/mo (50% DSR)
Upfront cash ≈ HK$26.66M (deposit + AVD stamp duty HK$2,088,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,675
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$128,018
−HK$3,392/mo
Today · 4.125%
HK$131,410
baseline
▲ 0.50% · 4.625%
HK$138,337
+HK$6,927/mo
Deposit HK$24.57M · loan HK$24.57M · min. income ≈ HK$262,820/mo (50% DSR)
Upfront cash ≈ HK$26.66M (deposit + AVD stamp duty HK$2,088,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,482
−HK$8,433/mo
▼ 0.25% · 3.875%
HK$138,665
−HK$4,250/mo
Today · 4.125%
HK$142,915
baseline
▲ 0.50% · 4.625%
HK$151,611
+HK$8,696/mo
Deposit HK$19.66M · loan HK$29.49M · min. income ≈ HK$285,830/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,088,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,609
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$153,622
−HK$4,070/mo
Today · 4.125%
HK$157,692
baseline
▲ 0.50% · 4.625%
HK$166,005
+HK$8,313/mo
Deposit HK$19.66M · loan HK$29.49M · min. income ≈ HK$315,384/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,088,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,895
−HK$9,839/mo
▼ 0.25% · 3.875%
HK$161,776
−HK$4,958/mo
Today · 4.125%
HK$166,734
baseline
▲ 0.50% · 4.625%
HK$176,879
+HK$10,145/mo
Deposit HK$14.74M · loan HK$34.40M · min. income ≈ HK$333,468/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,088,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,544
−HK$9,430/mo
▼ 0.25% · 3.875%
HK$179,226
−HK$4,748/mo
Today · 4.125%
HK$183,974
baseline
▲ 0.50% · 4.625%
HK$193,672
+HK$9,698/mo
Deposit HK$14.74M · loan HK$34.40M · min. income ≈ HK$367,948/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,088,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,722
−HK$12,650/mo
▼ 0.25% · 3.875%
HK$207,997
−HK$6,375/mo
Today · 4.125%
HK$214,372
baseline
▲ 0.50% · 4.625%
HK$227,416
+HK$13,044/mo
Deposit HK$4.91M · loan HK$44.23M · min. income ≈ HK$428,744/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,088,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,414
−HK$12,125/mo
▼ 0.25% · 3.875%
HK$230,433
−HK$6,106/mo
Today · 4.125%
HK$236,539
baseline
▲ 0.50% · 4.625%
HK$249,007
+HK$12,468/mo
Deposit HK$4.91M · loan HK$44.23M · min. income ≈ HK$473,078/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,088,753 · Scale 2, in force from 26 Feb 2026)