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$111,737
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,213
−HK$3,531/mo
Today · 4.125%
HK$118,744
baseline
▲ 0.50% · 4.625%
HK$125,969
+HK$7,225/mo
Deposit HK$24.50M · loan HK$24.50M · min. income ≈ HK$237,488/mo (50% DSR)
Upfront cash ≈ HK$26.58M (deposit + AVD stamp duty HK$2,082,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,306
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,640
−HK$3,382/mo
Today · 4.125%
HK$131,022
baseline
▲ 0.50% · 4.625%
HK$137,928
+HK$6,906/mo
Deposit HK$24.50M · loan HK$24.50M · min. income ≈ HK$262,044/mo (50% DSR)
Upfront cash ≈ HK$26.58M (deposit + AVD stamp duty HK$2,082,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,084
−HK$8,409/mo
▼ 0.25% · 3.875%
HK$138,255
−HK$4,238/mo
Today · 4.125%
HK$142,493
baseline
▲ 0.50% · 4.625%
HK$151,163
+HK$8,670/mo
Deposit HK$19.60M · loan HK$29.40M · min. income ≈ HK$284,986/mo (50% DSR)
Upfront cash ≈ HK$21.68M (deposit + AVD stamp duty HK$2,082,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,167
−HK$8,060/mo
▼ 0.25% · 3.875%
HK$153,168
−HK$4,059/mo
Today · 4.125%
HK$157,227
baseline
▲ 0.50% · 4.625%
HK$165,514
+HK$8,287/mo
Deposit HK$19.60M · loan HK$29.40M · min. income ≈ HK$314,454/mo (50% DSR)
Upfront cash ≈ HK$21.68M (deposit + AVD stamp duty HK$2,082,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,432
−HK$9,809/mo
▼ 0.25% · 3.875%
HK$161,298
−HK$4,943/mo
Today · 4.125%
HK$166,241
baseline
▲ 0.50% · 4.625%
HK$176,357
+HK$10,116/mo
Deposit HK$14.70M · loan HK$34.30M · min. income ≈ HK$332,482/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$2,082,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,029
−HK$9,402/mo
▼ 0.25% · 3.875%
HK$178,696
−HK$4,735/mo
Today · 4.125%
HK$183,431
baseline
▲ 0.50% · 4.625%
HK$193,100
+HK$9,669/mo
Deposit HK$14.70M · loan HK$34.30M · min. income ≈ HK$366,862/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$2,082,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,127
−HK$12,612/mo
▼ 0.25% · 3.875%
HK$207,383
−HK$6,356/mo
Today · 4.125%
HK$213,739
baseline
▲ 0.50% · 4.625%
HK$226,744
+HK$13,005/mo
Deposit HK$4.90M · loan HK$44.10M · min. income ≈ HK$427,478/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,082,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,751
−HK$12,089/mo
▼ 0.25% · 3.875%
HK$229,752
−HK$6,088/mo
Today · 4.125%
HK$235,840
baseline
▲ 0.50% · 4.625%
HK$248,271
+HK$12,431/mo
Deposit HK$4.90M · loan HK$44.10M · min. income ≈ HK$471,680/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,082,582 · Scale 2, in force from 26 Feb 2026)