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$111,879
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$115,359
−HK$3,535/mo
Today · 4.125%
HK$118,894
baseline
▲ 0.50% · 4.625%
HK$126,129
+HK$7,235/mo
Deposit HK$24.53M · loan HK$24.53M · min. income ≈ HK$237,788/mo (50% DSR)
Upfront cash ≈ HK$26.62M (deposit + AVD stamp duty HK$2,085,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,464
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$127,802
−HK$3,386/mo
Today · 4.125%
HK$131,188
baseline
▲ 0.50% · 4.625%
HK$138,103
+HK$6,915/mo
Deposit HK$24.53M · loan HK$24.53M · min. income ≈ HK$262,376/mo (50% DSR)
Upfront cash ≈ HK$26.62M (deposit + AVD stamp duty HK$2,085,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,254
−HK$8,419/mo
▼ 0.25% · 3.875%
HK$138,430
−HK$4,243/mo
Today · 4.125%
HK$142,673
baseline
▲ 0.50% · 4.625%
HK$151,355
+HK$8,682/mo
Deposit HK$19.63M · loan HK$29.44M · min. income ≈ HK$285,346/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$2,085,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,357
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$153,362
−HK$4,064/mo
Today · 4.125%
HK$157,426
baseline
▲ 0.50% · 4.625%
HK$165,724
+HK$8,298/mo
Deposit HK$19.63M · loan HK$29.44M · min. income ≈ HK$314,852/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$2,085,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,630
−HK$9,822/mo
▼ 0.25% · 3.875%
HK$161,502
−HK$4,950/mo
Today · 4.125%
HK$166,452
baseline
▲ 0.50% · 4.625%
HK$176,580
+HK$10,128/mo
Deposit HK$14.72M · loan HK$34.34M · min. income ≈ HK$332,904/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$2,085,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,249
−HK$9,415/mo
▼ 0.25% · 3.875%
HK$178,923
−HK$4,741/mo
Today · 4.125%
HK$183,664
baseline
▲ 0.50% · 4.625%
HK$193,345
+HK$9,681/mo
Deposit HK$14.72M · loan HK$34.34M · min. income ≈ HK$367,328/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$2,085,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,382
−HK$12,628/mo
▼ 0.25% · 3.875%
HK$207,646
−HK$6,364/mo
Today · 4.125%
HK$214,010
baseline
▲ 0.50% · 4.625%
HK$227,032
+HK$13,022/mo
Deposit HK$4.91M · loan HK$44.16M · min. income ≈ HK$428,020/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,085,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,035
−HK$12,104/mo
▼ 0.25% · 3.875%
HK$230,043
−HK$6,096/mo
Today · 4.125%
HK$236,139
baseline
▲ 0.50% · 4.625%
HK$248,586
+HK$12,447/mo
Deposit HK$4.91M · loan HK$44.16M · min. income ≈ HK$472,278/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,085,223 · Scale 2, in force from 26 Feb 2026)