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$112,027
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$115,511
−HK$3,541/mo
Today · 4.125%
HK$119,052
baseline
▲ 0.50% · 4.625%
HK$126,296
+HK$7,244/mo
Deposit HK$24.56M · loan HK$24.56M · min. income ≈ HK$238,104/mo (50% DSR)
Upfront cash ≈ HK$26.65M (deposit + AVD stamp duty HK$2,087,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,628
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,971
−HK$3,391/mo
Today · 4.125%
HK$131,362
baseline
▲ 0.50% · 4.625%
HK$138,286
+HK$6,924/mo
Deposit HK$24.56M · loan HK$24.56M · min. income ≈ HK$262,724/mo (50% DSR)
Upfront cash ≈ HK$26.65M (deposit + AVD stamp duty HK$2,087,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,432
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$138,614
−HK$4,248/mo
Today · 4.125%
HK$142,862
baseline
▲ 0.50% · 4.625%
HK$151,555
+HK$8,693/mo
Deposit HK$19.65M · loan HK$29.48M · min. income ≈ HK$285,724/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$2,087,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,554
−HK$8,080/mo
▼ 0.25% · 3.875%
HK$153,565
−HK$4,069/mo
Today · 4.125%
HK$157,634
baseline
▲ 0.50% · 4.625%
HK$165,943
+HK$8,309/mo
Deposit HK$19.65M · loan HK$29.48M · min. income ≈ HK$315,268/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$2,087,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,837
−HK$9,835/mo
▼ 0.25% · 3.875%
HK$161,716
−HK$4,956/mo
Today · 4.125%
HK$166,672
baseline
▲ 0.50% · 4.625%
HK$176,814
+HK$10,142/mo
Deposit HK$14.74M · loan HK$34.39M · min. income ≈ HK$333,344/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,087,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,480
−HK$9,427/mo
▼ 0.25% · 3.875%
HK$179,159
−HK$4,748/mo
Today · 4.125%
HK$183,907
baseline
▲ 0.50% · 4.625%
HK$193,600
+HK$9,693/mo
Deposit HK$14.74M · loan HK$34.39M · min. income ≈ HK$367,814/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$2,087,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,648
−HK$12,645/mo
▼ 0.25% · 3.875%
HK$207,920
−HK$6,373/mo
Today · 4.125%
HK$214,293
baseline
▲ 0.50% · 4.625%
HK$227,332
+HK$13,039/mo
Deposit HK$4.91M · loan HK$44.22M · min. income ≈ HK$428,586/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,331
−HK$12,120/mo
▼ 0.25% · 3.875%
HK$230,348
−HK$6,103/mo
Today · 4.125%
HK$236,451
baseline
▲ 0.50% · 4.625%
HK$248,915
+HK$12,464/mo
Deposit HK$4.91M · loan HK$44.22M · min. income ≈ HK$472,902/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,981 · Scale 2, in force from 26 Feb 2026)