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$112,522
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,022
−HK$3,556/mo
Today · 4.125%
HK$119,578
baseline
▲ 0.50% · 4.625%
HK$126,854
+HK$7,276/mo
Deposit HK$24.67M · loan HK$24.67M · min. income ≈ HK$239,156/mo (50% DSR)
Upfront cash ≈ HK$26.77M (deposit + AVD stamp duty HK$2,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,180
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,537
−HK$3,406/mo
Today · 4.125%
HK$131,943
baseline
▲ 0.50% · 4.625%
HK$138,898
+HK$6,955/mo
Deposit HK$24.67M · loan HK$24.67M · min. income ≈ HK$263,886/mo (50% DSR)
Upfront cash ≈ HK$26.77M (deposit + AVD stamp duty HK$2,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,027
−HK$8,467/mo
▼ 0.25% · 3.875%
HK$139,227
−HK$4,267/mo
Today · 4.125%
HK$143,494
baseline
▲ 0.50% · 4.625%
HK$152,225
+HK$8,731/mo
Deposit HK$19.74M · loan HK$29.61M · min. income ≈ HK$286,988/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,216
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$154,244
−HK$4,087/mo
Today · 4.125%
HK$158,331
baseline
▲ 0.50% · 4.625%
HK$166,677
+HK$8,346/mo
Deposit HK$19.74M · loan HK$29.61M · min. income ≈ HK$316,662/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,531
−HK$9,879/mo
▼ 0.25% · 3.875%
HK$162,431
−HK$4,979/mo
Today · 4.125%
HK$167,410
baseline
▲ 0.50% · 4.625%
HK$177,596
+HK$10,186/mo
Deposit HK$14.80M · loan HK$34.54M · min. income ≈ HK$334,820/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$2,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,252
−HK$9,468/mo
▼ 0.25% · 3.875%
HK$179,952
−HK$4,768/mo
Today · 4.125%
HK$184,720
baseline
▲ 0.50% · 4.625%
HK$194,457
+HK$9,737/mo
Deposit HK$14.80M · loan HK$34.54M · min. income ≈ HK$369,440/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$2,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,540
−HK$12,701/mo
▼ 0.25% · 3.875%
HK$208,840
−HK$6,401/mo
Today · 4.125%
HK$215,241
baseline
▲ 0.50% · 4.625%
HK$228,338
+HK$13,097/mo
Deposit HK$4.93M · loan HK$44.41M · min. income ≈ HK$430,482/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,097,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,323
−HK$12,174/mo
▼ 0.25% · 3.875%
HK$231,367
−HK$6,130/mo
Today · 4.125%
HK$237,497
baseline
▲ 0.50% · 4.625%
HK$250,016
+HK$12,519/mo
Deposit HK$4.93M · loan HK$44.41M · min. income ≈ HK$474,994/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,097,216 · Scale 2, in force from 26 Feb 2026)