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$112,214
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,704
−HK$3,547/mo
Today · 4.125%
HK$119,251
baseline
▲ 0.50% · 4.625%
HK$126,507
+HK$7,256/mo
Deposit HK$24.61M · loan HK$24.61M · min. income ≈ HK$238,502/mo (50% DSR)
Upfront cash ≈ HK$26.70M (deposit + AVD stamp duty HK$2,091,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,837
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,185
−HK$3,396/mo
Today · 4.125%
HK$131,581
baseline
▲ 0.50% · 4.625%
HK$138,517
+HK$6,936/mo
Deposit HK$24.61M · loan HK$24.61M · min. income ≈ HK$263,162/mo (50% DSR)
Upfront cash ≈ HK$26.70M (deposit + AVD stamp duty HK$2,091,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,657
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$138,845
−HK$4,256/mo
Today · 4.125%
HK$143,101
baseline
▲ 0.50% · 4.625%
HK$151,808
+HK$8,707/mo
Deposit HK$19.68M · loan HK$29.53M · min. income ≈ HK$286,202/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,091,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,804
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$153,822
−HK$4,076/mo
Today · 4.125%
HK$157,898
baseline
▲ 0.50% · 4.625%
HK$166,221
+HK$8,323/mo
Deposit HK$19.68M · loan HK$29.53M · min. income ≈ HK$315,796/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,091,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,099
−HK$9,852/mo
▼ 0.25% · 3.875%
HK$161,986
−HK$4,965/mo
Today · 4.125%
HK$166,951
baseline
▲ 0.50% · 4.625%
HK$177,110
+HK$10,159/mo
Deposit HK$14.76M · loan HK$34.45M · min. income ≈ HK$333,902/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,091,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,772
−HK$9,442/mo
▼ 0.25% · 3.875%
HK$179,459
−HK$4,755/mo
Today · 4.125%
HK$184,214
baseline
▲ 0.50% · 4.625%
HK$193,924
+HK$9,710/mo
Deposit HK$14.76M · loan HK$34.45M · min. income ≈ HK$368,428/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,091,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,985
−HK$12,666/mo
▼ 0.25% · 3.875%
HK$208,268
−HK$6,383/mo
Today · 4.125%
HK$214,651
baseline
▲ 0.50% · 4.625%
HK$227,712
+HK$13,061/mo
Deposit HK$4.92M · loan HK$44.29M · min. income ≈ HK$429,302/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,091,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,706
−HK$12,140/mo
▼ 0.25% · 3.875%
HK$230,733
−HK$6,113/mo
Today · 4.125%
HK$236,846
baseline
▲ 0.50% · 4.625%
HK$249,331
+HK$12,485/mo
Deposit HK$4.92M · loan HK$44.29M · min. income ≈ HK$473,692/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,091,471 · Scale 2, in force from 26 Feb 2026)