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$111,947
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$115,429
−HK$3,538/mo
Today · 4.125%
HK$118,967
baseline
▲ 0.50% · 4.625%
HK$126,206
+HK$7,239/mo
Deposit HK$24.55M · loan HK$24.55M · min. income ≈ HK$237,934/mo (50% DSR)
Upfront cash ≈ HK$26.63M (deposit + AVD stamp duty HK$2,086,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,540
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,880
−HK$3,388/mo
Today · 4.125%
HK$131,268
baseline
▲ 0.50% · 4.625%
HK$138,188
+HK$6,920/mo
Deposit HK$24.55M · loan HK$24.55M · min. income ≈ HK$262,536/mo (50% DSR)
Upfront cash ≈ HK$26.63M (deposit + AVD stamp duty HK$2,086,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,336
−HK$8,424/mo
▼ 0.25% · 3.875%
HK$138,515
−HK$4,245/mo
Today · 4.125%
HK$142,760
baseline
▲ 0.50% · 4.625%
HK$151,447
+HK$8,687/mo
Deposit HK$19.64M · loan HK$29.46M · min. income ≈ HK$285,520/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,086,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,448
−HK$8,074/mo
▼ 0.25% · 3.875%
HK$153,456
−HK$4,066/mo
Today · 4.125%
HK$157,522
baseline
▲ 0.50% · 4.625%
HK$165,825
+HK$8,303/mo
Deposit HK$19.64M · loan HK$29.46M · min. income ≈ HK$315,044/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,086,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,726
−HK$9,828/mo
▼ 0.25% · 3.875%
HK$161,601
−HK$4,953/mo
Today · 4.125%
HK$166,554
baseline
▲ 0.50% · 4.625%
HK$176,688
+HK$10,134/mo
Deposit HK$14.73M · loan HK$34.37M · min. income ≈ HK$333,108/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$2,086,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,356
−HK$9,419/mo
▼ 0.25% · 3.875%
HK$179,032
−HK$4,743/mo
Today · 4.125%
HK$183,775
baseline
▲ 0.50% · 4.625%
HK$193,463
+HK$9,688/mo
Deposit HK$14.73M · loan HK$34.37M · min. income ≈ HK$367,550/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$2,086,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,504
−HK$12,636/mo
▼ 0.25% · 3.875%
HK$207,772
−HK$6,368/mo
Today · 4.125%
HK$214,140
baseline
▲ 0.50% · 4.625%
HK$227,170
+HK$13,030/mo
Deposit HK$4.91M · loan HK$44.18M · min. income ≈ HK$428,280/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,086,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,171
−HK$12,112/mo
▼ 0.25% · 3.875%
HK$230,184
−HK$6,099/mo
Today · 4.125%
HK$236,283
baseline
▲ 0.50% · 4.625%
HK$248,738
+HK$12,455/mo
Deposit HK$4.91M · loan HK$44.18M · min. income ≈ HK$472,566/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,086,494 · Scale 2, in force from 26 Feb 2026)