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$111,925
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$115,407
−HK$3,537/mo
Today · 4.125%
HK$118,944
baseline
▲ 0.50% · 4.625%
HK$126,182
+HK$7,238/mo
Deposit HK$24.54M · loan HK$24.54M · min. income ≈ HK$237,888/mo (50% DSR)
Upfront cash ≈ HK$26.63M (deposit + AVD stamp duty HK$2,086,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,516
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,855
−HK$3,388/mo
Today · 4.125%
HK$131,243
baseline
▲ 0.50% · 4.625%
HK$138,161
+HK$6,918/mo
Deposit HK$24.54M · loan HK$24.54M · min. income ≈ HK$262,486/mo (50% DSR)
Upfront cash ≈ HK$26.63M (deposit + AVD stamp duty HK$2,086,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,311
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$138,488
−HK$4,245/mo
Today · 4.125%
HK$142,733
baseline
▲ 0.50% · 4.625%
HK$151,418
+HK$8,685/mo
Deposit HK$19.63M · loan HK$29.45M · min. income ≈ HK$285,466/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,086,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,419
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$153,426
−HK$4,066/mo
Today · 4.125%
HK$157,492
baseline
▲ 0.50% · 4.625%
HK$165,793
+HK$8,301/mo
Deposit HK$19.63M · loan HK$29.45M · min. income ≈ HK$314,984/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,086,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,696
−HK$9,826/mo
▼ 0.25% · 3.875%
HK$161,570
−HK$4,952/mo
Today · 4.125%
HK$166,522
baseline
▲ 0.50% · 4.625%
HK$176,654
+HK$10,132/mo
Deposit HK$14.73M · loan HK$34.36M · min. income ≈ HK$333,044/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$2,086,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,322
−HK$9,418/mo
▼ 0.25% · 3.875%
HK$178,998
−HK$4,742/mo
Today · 4.125%
HK$183,740
baseline
▲ 0.50% · 4.625%
HK$193,426
+HK$9,686/mo
Deposit HK$14.73M · loan HK$34.36M · min. income ≈ HK$367,480/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$2,086,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,466
−HK$12,633/mo
▼ 0.25% · 3.875%
HK$207,733
−HK$6,366/mo
Today · 4.125%
HK$214,099
baseline
▲ 0.50% · 4.625%
HK$227,127
+HK$13,028/mo
Deposit HK$4.91M · loan HK$44.18M · min. income ≈ HK$428,198/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,086,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,129
−HK$12,109/mo
▼ 0.25% · 3.875%
HK$230,140
−HK$6,098/mo
Today · 4.125%
HK$236,238
baseline
▲ 0.50% · 4.625%
HK$248,690
+HK$12,452/mo
Deposit HK$4.91M · loan HK$44.18M · min. income ≈ HK$472,476/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,086,095 · Scale 2, in force from 26 Feb 2026)