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$111,993
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$115,477
−HK$3,539/mo
Today · 4.125%
HK$119,016
baseline
▲ 0.50% · 4.625%
HK$126,258
+HK$7,242/mo
Deposit HK$24.56M · loan HK$24.56M · min. income ≈ HK$238,032/mo (50% DSR)
Upfront cash ≈ HK$26.64M (deposit + AVD stamp duty HK$2,087,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,591
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,933
−HK$3,389/mo
Today · 4.125%
HK$131,322
baseline
▲ 0.50% · 4.625%
HK$138,245
+HK$6,923/mo
Deposit HK$24.56M · loan HK$24.56M · min. income ≈ HK$262,644/mo (50% DSR)
Upfront cash ≈ HK$26.64M (deposit + AVD stamp duty HK$2,087,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,392
−HK$8,427/mo
▼ 0.25% · 3.875%
HK$138,572
−HK$4,247/mo
Today · 4.125%
HK$142,819
baseline
▲ 0.50% · 4.625%
HK$151,509
+HK$8,690/mo
Deposit HK$19.65M · loan HK$29.47M · min. income ≈ HK$285,638/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,087,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,509
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$153,519
−HK$4,068/mo
Today · 4.125%
HK$157,587
baseline
▲ 0.50% · 4.625%
HK$165,894
+HK$8,307/mo
Deposit HK$19.65M · loan HK$29.47M · min. income ≈ HK$315,174/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,087,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,790
−HK$9,832/mo
▼ 0.25% · 3.875%
HK$161,667
−HK$4,955/mo
Today · 4.125%
HK$166,622
baseline
▲ 0.50% · 4.625%
HK$176,761
+HK$10,139/mo
Deposit HK$14.73M · loan HK$34.38M · min. income ≈ HK$333,244/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$2,087,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,428
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$179,106
−HK$4,745/mo
Today · 4.125%
HK$183,851
baseline
▲ 0.50% · 4.625%
HK$193,542
+HK$9,691/mo
Deposit HK$14.73M · loan HK$34.38M · min. income ≈ HK$367,702/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$2,087,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,588
−HK$12,641/mo
▼ 0.25% · 3.875%
HK$207,858
−HK$6,371/mo
Today · 4.125%
HK$214,229
baseline
▲ 0.50% · 4.625%
HK$227,264
+HK$13,035/mo
Deposit HK$4.91M · loan HK$44.20M · min. income ≈ HK$428,458/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,264
−HK$12,116/mo
▼ 0.25% · 3.875%
HK$230,279
−HK$6,101/mo
Today · 4.125%
HK$236,380
baseline
▲ 0.50% · 4.625%
HK$248,840
+HK$12,460/mo
Deposit HK$4.91M · loan HK$44.20M · min. income ≈ HK$472,760/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,356 · Scale 2, in force from 26 Feb 2026)