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$112,199
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,689
−HK$3,546/mo
Today · 4.125%
HK$119,235
baseline
▲ 0.50% · 4.625%
HK$126,491
+HK$7,256/mo
Deposit HK$24.60M · loan HK$24.60M · min. income ≈ HK$238,470/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,091,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,821
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$128,168
−HK$3,396/mo
Today · 4.125%
HK$131,564
baseline
▲ 0.50% · 4.625%
HK$138,499
+HK$6,935/mo
Deposit HK$24.60M · loan HK$24.60M · min. income ≈ HK$263,128/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,091,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,639
−HK$8,443/mo
▼ 0.25% · 3.875%
HK$138,827
−HK$4,255/mo
Today · 4.125%
HK$143,082
baseline
▲ 0.50% · 4.625%
HK$151,789
+HK$8,707/mo
Deposit HK$19.68M · loan HK$29.52M · min. income ≈ HK$286,164/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,091,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,785
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$153,802
−HK$4,075/mo
Today · 4.125%
HK$157,877
baseline
▲ 0.50% · 4.625%
HK$166,199
+HK$8,322/mo
Deposit HK$19.68M · loan HK$29.52M · min. income ≈ HK$315,754/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,091,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,079
−HK$9,850/mo
▼ 0.25% · 3.875%
HK$161,965
−HK$4,964/mo
Today · 4.125%
HK$166,929
baseline
▲ 0.50% · 4.625%
HK$177,087
+HK$10,158/mo
Deposit HK$14.76M · loan HK$34.44M · min. income ≈ HK$333,858/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,091,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,749
−HK$9,441/mo
▼ 0.25% · 3.875%
HK$179,436
−HK$4,754/mo
Today · 4.125%
HK$184,190
baseline
▲ 0.50% · 4.625%
HK$193,899
+HK$9,709/mo
Deposit HK$14.76M · loan HK$34.44M · min. income ≈ HK$368,380/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,091,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,959
−HK$12,665/mo
▼ 0.25% · 3.875%
HK$208,241
−HK$6,383/mo
Today · 4.125%
HK$214,624
baseline
▲ 0.50% · 4.625%
HK$227,683
+HK$13,059/mo
Deposit HK$4.92M · loan HK$44.28M · min. income ≈ HK$429,248/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,091,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,677
−HK$12,139/mo
▼ 0.25% · 3.875%
HK$230,703
−HK$6,113/mo
Today · 4.125%
HK$236,816
baseline
▲ 0.50% · 4.625%
HK$249,299
+HK$12,483/mo
Deposit HK$4.92M · loan HK$44.28M · min. income ≈ HK$473,632/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,091,202 · Scale 2, in force from 26 Feb 2026)