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$112,136
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,624
−HK$3,544/mo
Today · 4.125%
HK$119,168
baseline
▲ 0.50% · 4.625%
HK$126,419
+HK$7,251/mo
Deposit HK$24.59M · loan HK$24.59M · min. income ≈ HK$238,336/mo (50% DSR)
Upfront cash ≈ HK$26.68M (deposit + AVD stamp duty HK$2,090,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,750
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$128,096
−HK$3,394/mo
Today · 4.125%
HK$131,490
baseline
▲ 0.50% · 4.625%
HK$138,421
+HK$6,931/mo
Deposit HK$24.59M · loan HK$24.59M · min. income ≈ HK$262,980/mo (50% DSR)
Upfront cash ≈ HK$26.68M (deposit + AVD stamp duty HK$2,090,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,563
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$138,749
−HK$4,252/mo
Today · 4.125%
HK$143,001
baseline
▲ 0.50% · 4.625%
HK$151,703
+HK$8,702/mo
Deposit HK$19.67M · loan HK$29.51M · min. income ≈ HK$286,002/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,090,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,700
−HK$8,088/mo
▼ 0.25% · 3.875%
HK$153,715
−HK$4,073/mo
Today · 4.125%
HK$157,788
baseline
▲ 0.50% · 4.625%
HK$166,105
+HK$8,317/mo
Deposit HK$19.67M · loan HK$29.51M · min. income ≈ HK$315,576/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,090,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,990
−HK$9,845/mo
▼ 0.25% · 3.875%
HK$161,874
−HK$4,961/mo
Today · 4.125%
HK$166,835
baseline
▲ 0.50% · 4.625%
HK$176,987
+HK$10,152/mo
Deposit HK$14.75M · loan HK$34.42M · min. income ≈ HK$333,670/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,090,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,650
−HK$9,436/mo
▼ 0.25% · 3.875%
HK$179,334
−HK$4,752/mo
Today · 4.125%
HK$184,086
baseline
▲ 0.50% · 4.625%
HK$193,789
+HK$9,703/mo
Deposit HK$14.75M · loan HK$34.42M · min. income ≈ HK$368,172/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,090,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,845
−HK$12,657/mo
▼ 0.25% · 3.875%
HK$208,123
−HK$6,379/mo
Today · 4.125%
HK$214,502
baseline
▲ 0.50% · 4.625%
HK$227,554
+HK$13,052/mo
Deposit HK$4.92M · loan HK$44.26M · min. income ≈ HK$429,004/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,090,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,550
−HK$12,132/mo
▼ 0.25% · 3.875%
HK$230,573
−HK$6,109/mo
Today · 4.125%
HK$236,682
baseline
▲ 0.50% · 4.625%
HK$249,158
+HK$12,476/mo
Deposit HK$4.92M · loan HK$44.26M · min. income ≈ HK$473,364/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,090,019 · Scale 2, in force from 26 Feb 2026)