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$112,073
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$115,559
−HK$3,542/mo
Today · 4.125%
HK$119,101
baseline
▲ 0.50% · 4.625%
HK$126,348
+HK$7,247/mo
Deposit HK$24.57M · loan HK$24.57M · min. income ≈ HK$238,202/mo (50% DSR)
Upfront cash ≈ HK$26.66M (deposit + AVD stamp duty HK$2,088,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,680
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,024
−HK$3,392/mo
Today · 4.125%
HK$131,416
baseline
▲ 0.50% · 4.625%
HK$138,343
+HK$6,927/mo
Deposit HK$24.57M · loan HK$24.57M · min. income ≈ HK$262,832/mo (50% DSR)
Upfront cash ≈ HK$26.66M (deposit + AVD stamp duty HK$2,088,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,487
−HK$8,434/mo
▼ 0.25% · 3.875%
HK$138,671
−HK$4,250/mo
Today · 4.125%
HK$142,921
baseline
▲ 0.50% · 4.625%
HK$151,617
+HK$8,696/mo
Deposit HK$19.66M · loan HK$29.49M · min. income ≈ HK$285,842/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,088,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,616
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$153,628
−HK$4,071/mo
Today · 4.125%
HK$157,699
baseline
▲ 0.50% · 4.625%
HK$166,012
+HK$8,313/mo
Deposit HK$19.66M · loan HK$29.49M · min. income ≈ HK$315,398/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,088,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,902
−HK$9,839/mo
▼ 0.25% · 3.875%
HK$161,782
−HK$4,959/mo
Today · 4.125%
HK$166,741
baseline
▲ 0.50% · 4.625%
HK$176,887
+HK$10,146/mo
Deposit HK$14.74M · loan HK$34.40M · min. income ≈ HK$333,482/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,088,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,552
−HK$9,430/mo
▼ 0.25% · 3.875%
HK$179,233
−HK$4,749/mo
Today · 4.125%
HK$183,982
baseline
▲ 0.50% · 4.625%
HK$193,680
+HK$9,698/mo
Deposit HK$14.74M · loan HK$34.40M · min. income ≈ HK$367,964/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,088,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,731
−HK$12,650/mo
▼ 0.25% · 3.875%
HK$208,006
−HK$6,375/mo
Today · 4.125%
HK$214,381
baseline
▲ 0.50% · 4.625%
HK$227,426
+HK$13,045/mo
Deposit HK$4.91M · loan HK$44.23M · min. income ≈ HK$428,762/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,088,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,424
−HK$12,125/mo
▼ 0.25% · 3.875%
HK$230,443
−HK$6,106/mo
Today · 4.125%
HK$236,549
baseline
▲ 0.50% · 4.625%
HK$249,017
+HK$12,468/mo
Deposit HK$4.91M · loan HK$44.23M · min. income ≈ HK$473,098/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,088,842 · Scale 2, in force from 26 Feb 2026)