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$112,020
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$115,504
−HK$3,540/mo
Today · 4.125%
HK$119,044
baseline
▲ 0.50% · 4.625%
HK$126,288
+HK$7,244/mo
Deposit HK$24.56M · loan HK$24.56M · min. income ≈ HK$238,088/mo (50% DSR)
Upfront cash ≈ HK$26.65M (deposit + AVD stamp duty HK$2,087,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,621
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,963
−HK$3,391/mo
Today · 4.125%
HK$131,354
baseline
▲ 0.50% · 4.625%
HK$138,277
+HK$6,923/mo
Deposit HK$24.56M · loan HK$24.56M · min. income ≈ HK$262,708/mo (50% DSR)
Upfront cash ≈ HK$26.65M (deposit + AVD stamp duty HK$2,087,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,424
−HK$8,429/mo
▼ 0.25% · 3.875%
HK$138,605
−HK$4,248/mo
Today · 4.125%
HK$142,853
baseline
▲ 0.50% · 4.625%
HK$151,545
+HK$8,692/mo
Deposit HK$19.65M · loan HK$29.48M · min. income ≈ HK$285,706/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$2,087,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,545
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$153,556
−HK$4,068/mo
Today · 4.125%
HK$157,624
baseline
▲ 0.50% · 4.625%
HK$165,933
+HK$8,309/mo
Deposit HK$19.65M · loan HK$29.48M · min. income ≈ HK$315,248/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$2,087,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,827
−HK$9,835/mo
▼ 0.25% · 3.875%
HK$161,706
−HK$4,956/mo
Today · 4.125%
HK$166,662
baseline
▲ 0.50% · 4.625%
HK$176,803
+HK$10,141/mo
Deposit HK$14.74M · loan HK$34.39M · min. income ≈ HK$333,324/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,087,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,469
−HK$9,426/mo
▼ 0.25% · 3.875%
HK$179,148
−HK$4,747/mo
Today · 4.125%
HK$183,895
baseline
▲ 0.50% · 4.625%
HK$193,588
+HK$9,693/mo
Deposit HK$14.74M · loan HK$34.39M · min. income ≈ HK$367,790/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,087,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,635
−HK$12,645/mo
▼ 0.25% · 3.875%
HK$207,907
−HK$6,373/mo
Today · 4.125%
HK$214,280
baseline
▲ 0.50% · 4.625%
HK$227,318
+HK$13,038/mo
Deposit HK$4.91M · loan HK$44.21M · min. income ≈ HK$428,560/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,317
−HK$12,119/mo
▼ 0.25% · 3.875%
HK$230,333
−HK$6,103/mo
Today · 4.125%
HK$236,436
baseline
▲ 0.50% · 4.625%
HK$248,899
+HK$12,463/mo
Deposit HK$4.91M · loan HK$44.21M · min. income ≈ HK$472,872/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,851 · Scale 2, in force from 26 Feb 2026)