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$111,599
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,071
−HK$3,527/mo
Today · 4.125%
HK$118,598
baseline
▲ 0.50% · 4.625%
HK$125,814
+HK$7,216/mo
Deposit HK$24.47M · loan HK$24.47M · min. income ≈ HK$237,196/mo (50% DSR)
Upfront cash ≈ HK$26.55M (deposit + AVD stamp duty HK$2,080,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,153
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,483
−HK$3,378/mo
Today · 4.125%
HK$130,861
baseline
▲ 0.50% · 4.625%
HK$137,759
+HK$6,898/mo
Deposit HK$24.47M · loan HK$24.47M · min. income ≈ HK$261,722/mo (50% DSR)
Upfront cash ≈ HK$26.55M (deposit + AVD stamp duty HK$2,080,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,919
−HK$8,398/mo
▼ 0.25% · 3.875%
HK$138,085
−HK$4,232/mo
Today · 4.125%
HK$142,317
baseline
▲ 0.50% · 4.625%
HK$150,977
+HK$8,660/mo
Deposit HK$19.58M · loan HK$29.36M · min. income ≈ HK$284,634/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$2,080,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,984
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$152,979
−HK$4,054/mo
Today · 4.125%
HK$157,033
baseline
▲ 0.50% · 4.625%
HK$165,310
+HK$8,277/mo
Deposit HK$19.58M · loan HK$29.36M · min. income ≈ HK$314,066/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$2,080,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,239
−HK$9,798/mo
▼ 0.25% · 3.875%
HK$161,099
−HK$4,938/mo
Today · 4.125%
HK$166,037
baseline
▲ 0.50% · 4.625%
HK$176,140
+HK$10,103/mo
Deposit HK$14.68M · loan HK$34.26M · min. income ≈ HK$332,074/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$2,080,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,814
−HK$9,391/mo
▼ 0.25% · 3.875%
HK$178,476
−HK$4,729/mo
Today · 4.125%
HK$183,205
baseline
▲ 0.50% · 4.625%
HK$192,862
+HK$9,657/mo
Deposit HK$14.68M · loan HK$34.26M · min. income ≈ HK$366,410/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$2,080,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,879
−HK$12,597/mo
▼ 0.25% · 3.875%
HK$207,127
−HK$6,349/mo
Today · 4.125%
HK$213,476
baseline
▲ 0.50% · 4.625%
HK$226,465
+HK$12,989/mo
Deposit HK$4.89M · loan HK$44.05M · min. income ≈ HK$426,952/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,080,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,476
−HK$12,073/mo
▼ 0.25% · 3.875%
HK$229,469
−HK$6,080/mo
Today · 4.125%
HK$235,549
baseline
▲ 0.50% · 4.625%
HK$247,966
+HK$12,417/mo
Deposit HK$4.89M · loan HK$44.05M · min. income ≈ HK$471,098/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,080,018 · Scale 2, in force from 26 Feb 2026)