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$112,247
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$115,739
−HK$3,547/mo
Today · 4.125%
HK$119,286
baseline
▲ 0.50% · 4.625%
HK$126,544
+HK$7,258/mo
Deposit HK$24.61M · loan HK$24.61M · min. income ≈ HK$238,572/mo (50% DSR)
Upfront cash ≈ HK$26.70M (deposit + AVD stamp duty HK$2,092,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,874
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$128,223
−HK$3,398/mo
Today · 4.125%
HK$131,621
baseline
▲ 0.50% · 4.625%
HK$138,558
+HK$6,937/mo
Deposit HK$24.61M · loan HK$24.61M · min. income ≈ HK$263,242/mo (50% DSR)
Upfront cash ≈ HK$26.70M (deposit + AVD stamp duty HK$2,092,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,697
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$138,887
−HK$4,256/mo
Today · 4.125%
HK$143,143
baseline
▲ 0.50% · 4.625%
HK$151,853
+HK$8,710/mo
Deposit HK$19.69M · loan HK$29.54M · min. income ≈ HK$286,286/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,092,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,849
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$153,868
−HK$4,077/mo
Today · 4.125%
HK$157,945
baseline
▲ 0.50% · 4.625%
HK$166,270
+HK$8,325/mo
Deposit HK$19.69M · loan HK$29.54M · min. income ≈ HK$315,890/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,092,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,146
−HK$9,855/mo
▼ 0.25% · 3.875%
HK$162,034
−HK$4,967/mo
Today · 4.125%
HK$167,001
baseline
▲ 0.50% · 4.625%
HK$177,162
+HK$10,161/mo
Deposit HK$14.77M · loan HK$34.46M · min. income ≈ HK$334,002/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$2,092,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,824
−HK$9,445/mo
▼ 0.25% · 3.875%
HK$179,512
−HK$4,757/mo
Today · 4.125%
HK$184,269
baseline
▲ 0.50% · 4.625%
HK$193,982
+HK$9,713/mo
Deposit HK$14.77M · loan HK$34.46M · min. income ≈ HK$368,538/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$2,092,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,045
−HK$12,670/mo
▼ 0.25% · 3.875%
HK$208,330
−HK$6,385/mo
Today · 4.125%
HK$214,715
baseline
▲ 0.50% · 4.625%
HK$227,780
+HK$13,065/mo
Deposit HK$4.92M · loan HK$44.30M · min. income ≈ HK$429,430/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,092,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,773
−HK$12,144/mo
▼ 0.25% · 3.875%
HK$230,801
−HK$6,116/mo
Today · 4.125%
HK$236,917
baseline
▲ 0.50% · 4.625%
HK$249,405
+HK$12,488/mo
Deposit HK$4.92M · loan HK$44.30M · min. income ≈ HK$473,834/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,092,094 · Scale 2, in force from 26 Feb 2026)