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$111,803
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,281
−HK$3,533/mo
Today · 4.125%
HK$118,814
baseline
▲ 0.50% · 4.625%
HK$126,044
+HK$7,230/mo
Deposit HK$24.52M · loan HK$24.52M · min. income ≈ HK$237,628/mo (50% DSR)
Upfront cash ≈ HK$26.60M (deposit + AVD stamp duty HK$2,083,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,380
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$127,716
−HK$3,384/mo
Today · 4.125%
HK$131,100
baseline
▲ 0.50% · 4.625%
HK$138,010
+HK$6,910/mo
Deposit HK$24.52M · loan HK$24.52M · min. income ≈ HK$262,200/mo (50% DSR)
Upfront cash ≈ HK$26.60M (deposit + AVD stamp duty HK$2,083,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,164
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,337
−HK$4,240/mo
Today · 4.125%
HK$142,577
baseline
▲ 0.50% · 4.625%
HK$151,253
+HK$8,676/mo
Deposit HK$19.61M · loan HK$29.42M · min. income ≈ HK$285,154/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$2,083,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,256
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$153,259
−HK$4,061/mo
Today · 4.125%
HK$157,320
baseline
▲ 0.50% · 4.625%
HK$165,612
+HK$8,292/mo
Deposit HK$19.61M · loan HK$29.42M · min. income ≈ HK$314,640/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$2,083,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,525
−HK$9,815/mo
▼ 0.25% · 3.875%
HK$161,393
−HK$4,947/mo
Today · 4.125%
HK$166,340
baseline
▲ 0.50% · 4.625%
HK$176,461
+HK$10,121/mo
Deposit HK$14.71M · loan HK$34.32M · min. income ≈ HK$332,680/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$2,083,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,132
−HK$9,408/mo
▼ 0.25% · 3.875%
HK$178,802
−HK$4,738/mo
Today · 4.125%
HK$183,540
baseline
▲ 0.50% · 4.625%
HK$193,214
+HK$9,674/mo
Deposit HK$14.71M · loan HK$34.32M · min. income ≈ HK$367,080/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$2,083,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,246
−HK$12,620/mo
▼ 0.25% · 3.875%
HK$207,506
−HK$6,360/mo
Today · 4.125%
HK$213,866
baseline
▲ 0.50% · 4.625%
HK$226,879
+HK$13,013/mo
Deposit HK$4.90M · loan HK$44.13M · min. income ≈ HK$427,732/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,083,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,884
−HK$12,096/mo
▼ 0.25% · 3.875%
HK$229,888
−HK$6,092/mo
Today · 4.125%
HK$235,980
baseline
▲ 0.50% · 4.625%
HK$248,419
+HK$12,439/mo
Deposit HK$4.90M · loan HK$44.13M · min. income ≈ HK$471,960/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,083,818 · Scale 2, in force from 26 Feb 2026)