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$111,711
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,186
−HK$3,530/mo
Today · 4.125%
HK$118,716
baseline
▲ 0.50% · 4.625%
HK$125,940
+HK$7,224/mo
Deposit HK$24.50M · loan HK$24.50M · min. income ≈ HK$237,432/mo (50% DSR)
Upfront cash ≈ HK$26.58M (deposit + AVD stamp duty HK$2,082,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,277
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$127,610
−HK$3,382/mo
Today · 4.125%
HK$130,992
baseline
▲ 0.50% · 4.625%
HK$137,896
+HK$6,904/mo
Deposit HK$24.50M · loan HK$24.50M · min. income ≈ HK$261,984/mo (50% DSR)
Upfront cash ≈ HK$26.58M (deposit + AVD stamp duty HK$2,082,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,053
−HK$8,406/mo
▼ 0.25% · 3.875%
HK$138,223
−HK$4,236/mo
Today · 4.125%
HK$142,459
baseline
▲ 0.50% · 4.625%
HK$151,128
+HK$8,669/mo
Deposit HK$19.60M · loan HK$29.39M · min. income ≈ HK$284,918/mo (50% DSR)
Upfront cash ≈ HK$21.68M (deposit + AVD stamp duty HK$2,082,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,133
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$153,132
−HK$4,058/mo
Today · 4.125%
HK$157,190
baseline
▲ 0.50% · 4.625%
HK$165,476
+HK$8,286/mo
Deposit HK$19.60M · loan HK$29.39M · min. income ≈ HK$314,380/mo (50% DSR)
Upfront cash ≈ HK$21.68M (deposit + AVD stamp duty HK$2,082,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,395
−HK$9,808/mo
▼ 0.25% · 3.875%
HK$161,260
−HK$4,943/mo
Today · 4.125%
HK$166,203
baseline
▲ 0.50% · 4.625%
HK$176,316
+HK$10,113/mo
Deposit HK$14.70M · loan HK$34.29M · min. income ≈ HK$332,406/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$2,082,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,988
−HK$9,400/mo
▼ 0.25% · 3.875%
HK$178,654
−HK$4,734/mo
Today · 4.125%
HK$183,388
baseline
▲ 0.50% · 4.625%
HK$193,055
+HK$9,667/mo
Deposit HK$14.70M · loan HK$34.29M · min. income ≈ HK$366,776/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$2,082,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,080
−HK$12,609/mo
▼ 0.25% · 3.875%
HK$207,334
−HK$6,355/mo
Today · 4.125%
HK$213,689
baseline
▲ 0.50% · 4.625%
HK$226,692
+HK$13,003/mo
Deposit HK$4.90M · loan HK$44.09M · min. income ≈ HK$427,378/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,082,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,699
−HK$12,086/mo
▼ 0.25% · 3.875%
HK$229,699
−HK$6,086/mo
Today · 4.125%
HK$235,785
baseline
▲ 0.50% · 4.625%
HK$248,213
+HK$12,428/mo
Deposit HK$4.90M · loan HK$44.09M · min. income ≈ HK$471,570/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,082,097 · Scale 2, in force from 26 Feb 2026)