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$112,070
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$115,556
−HK$3,542/mo
Today · 4.125%
HK$119,098
baseline
▲ 0.50% · 4.625%
HK$126,344
+HK$7,246/mo
Deposit HK$24.57M · loan HK$24.57M · min. income ≈ HK$238,196/mo (50% DSR)
Upfront cash ≈ HK$26.66M (deposit + AVD stamp duty HK$2,088,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,677
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,020
−HK$3,393/mo
Today · 4.125%
HK$131,413
baseline
▲ 0.50% · 4.625%
HK$138,339
+HK$6,926/mo
Deposit HK$24.57M · loan HK$24.57M · min. income ≈ HK$262,826/mo (50% DSR)
Upfront cash ≈ HK$26.66M (deposit + AVD stamp duty HK$2,088,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,484
−HK$8,433/mo
▼ 0.25% · 3.875%
HK$138,667
−HK$4,250/mo
Today · 4.125%
HK$142,917
baseline
▲ 0.50% · 4.625%
HK$151,613
+HK$8,696/mo
Deposit HK$19.66M · loan HK$29.49M · min. income ≈ HK$285,834/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,088,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,612
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$153,624
−HK$4,071/mo
Today · 4.125%
HK$157,695
baseline
▲ 0.50% · 4.625%
HK$166,007
+HK$8,312/mo
Deposit HK$19.66M · loan HK$29.49M · min. income ≈ HK$315,390/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,088,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,898
−HK$9,839/mo
▼ 0.25% · 3.875%
HK$161,778
−HK$4,959/mo
Today · 4.125%
HK$166,737
baseline
▲ 0.50% · 4.625%
HK$176,882
+HK$10,145/mo
Deposit HK$14.74M · loan HK$34.40M · min. income ≈ HK$333,474/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,088,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,547
−HK$9,431/mo
▼ 0.25% · 3.875%
HK$179,229
−HK$4,749/mo
Today · 4.125%
HK$183,978
baseline
▲ 0.50% · 4.625%
HK$193,675
+HK$9,697/mo
Deposit HK$14.74M · loan HK$34.40M · min. income ≈ HK$367,956/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,088,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,726
−HK$12,650/mo
▼ 0.25% · 3.875%
HK$208,001
−HK$6,375/mo
Today · 4.125%
HK$214,376
baseline
▲ 0.50% · 4.625%
HK$227,420
+HK$13,044/mo
Deposit HK$4.91M · loan HK$44.23M · min. income ≈ HK$428,752/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,088,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,418
−HK$12,125/mo
▼ 0.25% · 3.875%
HK$230,437
−HK$6,106/mo
Today · 4.125%
HK$236,543
baseline
▲ 0.50% · 4.625%
HK$249,011
+HK$12,468/mo
Deposit HK$4.91M · loan HK$44.23M · min. income ≈ HK$473,086/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,088,788 · Scale 2, in force from 26 Feb 2026)