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$111,822
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$115,300
−HK$3,534/mo
Today · 4.125%
HK$118,834
baseline
▲ 0.50% · 4.625%
HK$126,065
+HK$7,231/mo
Deposit HK$24.52M · loan HK$24.52M · min. income ≈ HK$237,668/mo (50% DSR)
Upfront cash ≈ HK$26.60M (deposit + AVD stamp duty HK$2,084,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,401
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,737
−HK$3,385/mo
Today · 4.125%
HK$131,122
baseline
▲ 0.50% · 4.625%
HK$138,034
+HK$6,912/mo
Deposit HK$24.52M · loan HK$24.52M · min. income ≈ HK$262,244/mo (50% DSR)
Upfront cash ≈ HK$26.60M (deposit + AVD stamp duty HK$2,084,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,187
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$138,360
−HK$4,241/mo
Today · 4.125%
HK$142,601
baseline
▲ 0.50% · 4.625%
HK$151,278
+HK$8,677/mo
Deposit HK$19.62M · loan HK$29.42M · min. income ≈ HK$285,202/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$2,084,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,281
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$153,285
−HK$4,061/mo
Today · 4.125%
HK$157,346
baseline
▲ 0.50% · 4.625%
HK$165,640
+HK$8,294/mo
Deposit HK$19.62M · loan HK$29.42M · min. income ≈ HK$314,692/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$2,084,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,551
−HK$9,817/mo
▼ 0.25% · 3.875%
HK$161,421
−HK$4,947/mo
Today · 4.125%
HK$166,368
baseline
▲ 0.50% · 4.625%
HK$176,491
+HK$10,123/mo
Deposit HK$14.71M · loan HK$34.33M · min. income ≈ HK$332,736/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$2,084,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,161
−HK$9,410/mo
▼ 0.25% · 3.875%
HK$178,832
−HK$4,739/mo
Today · 4.125%
HK$183,571
baseline
▲ 0.50% · 4.625%
HK$193,247
+HK$9,676/mo
Deposit HK$14.71M · loan HK$34.33M · min. income ≈ HK$367,142/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$2,084,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,280
−HK$12,622/mo
▼ 0.25% · 3.875%
HK$207,541
−HK$6,361/mo
Today · 4.125%
HK$213,902
baseline
▲ 0.50% · 4.625%
HK$226,917
+HK$13,015/mo
Deposit HK$4.90M · loan HK$44.14M · min. income ≈ HK$427,804/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,084,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,922
−HK$12,098/mo
▼ 0.25% · 3.875%
HK$229,927
−HK$6,093/mo
Today · 4.125%
HK$236,020
baseline
▲ 0.50% · 4.625%
HK$248,460
+HK$12,440/mo
Deposit HK$4.90M · loan HK$44.14M · min. income ≈ HK$472,040/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,084,169 · Scale 2, in force from 26 Feb 2026)