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$112,117
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$115,605
−HK$3,543/mo
Today · 4.125%
HK$119,148
baseline
▲ 0.50% · 4.625%
HK$126,398
+HK$7,250/mo
Deposit HK$24.58M · loan HK$24.58M · min. income ≈ HK$238,296/mo (50% DSR)
Upfront cash ≈ HK$26.67M (deposit + AVD stamp duty HK$2,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,730
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$128,075
−HK$3,393/mo
Today · 4.125%
HK$131,468
baseline
▲ 0.50% · 4.625%
HK$138,398
+HK$6,930/mo
Deposit HK$24.58M · loan HK$24.58M · min. income ≈ HK$262,936/mo (50% DSR)
Upfront cash ≈ HK$26.67M (deposit + AVD stamp duty HK$2,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,541
−HK$8,437/mo
▼ 0.25% · 3.875%
HK$138,726
−HK$4,252/mo
Today · 4.125%
HK$142,978
baseline
▲ 0.50% · 4.625%
HK$151,678
+HK$8,700/mo
Deposit HK$19.67M · loan HK$29.50M · min. income ≈ HK$285,956/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,675
−HK$8,087/mo
▼ 0.25% · 3.875%
HK$153,690
−HK$4,072/mo
Today · 4.125%
HK$157,762
baseline
▲ 0.50% · 4.625%
HK$166,078
+HK$8,316/mo
Deposit HK$19.67M · loan HK$29.50M · min. income ≈ HK$315,524/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,964
−HK$9,844/mo
▼ 0.25% · 3.875%
HK$161,847
−HK$4,961/mo
Today · 4.125%
HK$166,808
baseline
▲ 0.50% · 4.625%
HK$176,957
+HK$10,149/mo
Deposit HK$14.75M · loan HK$34.42M · min. income ≈ HK$333,616/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,621
−HK$9,435/mo
▼ 0.25% · 3.875%
HK$179,305
−HK$4,751/mo
Today · 4.125%
HK$184,056
baseline
▲ 0.50% · 4.625%
HK$193,757
+HK$9,701/mo
Deposit HK$14.75M · loan HK$34.42M · min. income ≈ HK$368,112/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,811
−HK$12,656/mo
▼ 0.25% · 3.875%
HK$208,089
−HK$6,378/mo
Today · 4.125%
HK$214,467
baseline
▲ 0.50% · 4.625%
HK$227,517
+HK$13,050/mo
Deposit HK$4.92M · loan HK$44.25M · min. income ≈ HK$428,934/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,089,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,513
−HK$12,130/mo
▼ 0.25% · 3.875%
HK$230,535
−HK$6,108/mo
Today · 4.125%
HK$236,643
baseline
▲ 0.50% · 4.625%
HK$249,117
+HK$12,474/mo
Deposit HK$4.92M · loan HK$44.25M · min. income ≈ HK$473,286/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,089,674 · Scale 2, in force from 26 Feb 2026)