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$111,464
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$114,931
−HK$3,523/mo
Today · 4.125%
HK$118,454
baseline
▲ 0.50% · 4.625%
HK$125,661
+HK$7,207/mo
Deposit HK$24.44M · loan HK$24.44M · min. income ≈ HK$236,908/mo (50% DSR)
Upfront cash ≈ HK$26.52M (deposit + AVD stamp duty HK$2,077,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,002
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$127,328
−HK$3,374/mo
Today · 4.125%
HK$130,702
baseline
▲ 0.50% · 4.625%
HK$137,591
+HK$6,889/mo
Deposit HK$24.44M · loan HK$24.44M · min. income ≈ HK$261,404/mo (50% DSR)
Upfront cash ≈ HK$26.52M (deposit + AVD stamp duty HK$2,077,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,757
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$137,917
−HK$4,227/mo
Today · 4.125%
HK$142,144
baseline
▲ 0.50% · 4.625%
HK$150,793
+HK$8,649/mo
Deposit HK$19.55M · loan HK$29.33M · min. income ≈ HK$284,288/mo (50% DSR)
Upfront cash ≈ HK$21.63M (deposit + AVD stamp duty HK$2,077,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,803
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$152,794
−HK$4,048/mo
Today · 4.125%
HK$156,842
baseline
▲ 0.50% · 4.625%
HK$165,109
+HK$8,267/mo
Deposit HK$19.55M · loan HK$29.33M · min. income ≈ HK$313,684/mo (50% DSR)
Upfront cash ≈ HK$21.63M (deposit + AVD stamp duty HK$2,077,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,049
−HK$9,786/mo
▼ 0.25% · 3.875%
HK$160,903
−HK$4,932/mo
Today · 4.125%
HK$165,835
baseline
▲ 0.50% · 4.625%
HK$175,926
+HK$10,091/mo
Deposit HK$14.66M · loan HK$34.22M · min. income ≈ HK$331,670/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$2,077,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,603
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$178,259
−HK$4,723/mo
Today · 4.125%
HK$182,982
baseline
▲ 0.50% · 4.625%
HK$192,628
+HK$9,646/mo
Deposit HK$14.66M · loan HK$34.22M · min. income ≈ HK$365,964/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$2,077,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,635
−HK$12,581/mo
▼ 0.25% · 3.875%
HK$206,876
−HK$6,340/mo
Today · 4.125%
HK$213,216
baseline
▲ 0.50% · 4.625%
HK$226,190
+HK$12,974/mo
Deposit HK$4.89M · loan HK$43.99M · min. income ≈ HK$426,432/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,077,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,204
−HK$12,059/mo
▼ 0.25% · 3.875%
HK$229,190
−HK$6,073/mo
Today · 4.125%
HK$235,263
baseline
▲ 0.50% · 4.625%
HK$247,664
+HK$12,401/mo
Deposit HK$4.89M · loan HK$43.99M · min. income ≈ HK$470,526/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,077,490 · Scale 2, in force from 26 Feb 2026)