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$111,554
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,024
−HK$3,525/mo
Today · 4.125%
HK$118,549
baseline
▲ 0.50% · 4.625%
HK$125,762
+HK$7,213/mo
Deposit HK$24.46M · loan HK$24.46M · min. income ≈ HK$237,098/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,079,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,102
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,431
−HK$3,376/mo
Today · 4.125%
HK$130,807
baseline
▲ 0.50% · 4.625%
HK$137,702
+HK$6,895/mo
Deposit HK$24.46M · loan HK$24.46M · min. income ≈ HK$261,614/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,079,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,864
−HK$8,395/mo
▼ 0.25% · 3.875%
HK$138,028
−HK$4,231/mo
Today · 4.125%
HK$142,259
baseline
▲ 0.50% · 4.625%
HK$150,915
+HK$8,656/mo
Deposit HK$19.57M · loan HK$29.35M · min. income ≈ HK$284,518/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,079,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,923
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$152,917
−HK$4,052/mo
Today · 4.125%
HK$156,969
baseline
▲ 0.50% · 4.625%
HK$165,243
+HK$8,274/mo
Deposit HK$19.57M · loan HK$29.35M · min. income ≈ HK$313,938/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,079,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,175
−HK$9,794/mo
▼ 0.25% · 3.875%
HK$161,033
−HK$4,936/mo
Today · 4.125%
HK$165,969
baseline
▲ 0.50% · 4.625%
HK$176,067
+HK$10,098/mo
Deposit HK$14.68M · loan HK$34.25M · min. income ≈ HK$331,938/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$2,079,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,743
−HK$9,387/mo
▼ 0.25% · 3.875%
HK$178,403
−HK$4,727/mo
Today · 4.125%
HK$183,130
baseline
▲ 0.50% · 4.625%
HK$192,783
+HK$9,653/mo
Deposit HK$14.68M · loan HK$34.25M · min. income ≈ HK$366,260/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$2,079,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,797
−HK$12,591/mo
▼ 0.25% · 3.875%
HK$207,042
−HK$6,346/mo
Today · 4.125%
HK$213,388
baseline
▲ 0.50% · 4.625%
HK$226,372
+HK$12,984/mo
Deposit HK$4.89M · loan HK$44.03M · min. income ≈ HK$426,776/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,079,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,384
−HK$12,069/mo
▼ 0.25% · 3.875%
HK$229,375
−HK$6,078/mo
Today · 4.125%
HK$235,453
baseline
▲ 0.50% · 4.625%
HK$247,864
+HK$12,411/mo
Deposit HK$4.89M · loan HK$44.03M · min. income ≈ HK$470,906/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,079,166 · Scale 2, in force from 26 Feb 2026)