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$111,962
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$115,445
−HK$3,538/mo
Today · 4.125%
HK$118,983
baseline
▲ 0.50% · 4.625%
HK$126,223
+HK$7,240/mo
Deposit HK$24.55M · loan HK$24.55M · min. income ≈ HK$237,966/mo (50% DSR)
Upfront cash ≈ HK$26.64M (deposit + AVD stamp duty HK$2,086,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,557
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$127,898
−HK$3,389/mo
Today · 4.125%
HK$131,287
baseline
▲ 0.50% · 4.625%
HK$138,207
+HK$6,920/mo
Deposit HK$24.55M · loan HK$24.55M · min. income ≈ HK$262,574/mo (50% DSR)
Upfront cash ≈ HK$26.64M (deposit + AVD stamp duty HK$2,086,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,355
−HK$8,425/mo
▼ 0.25% · 3.875%
HK$138,534
−HK$4,246/mo
Today · 4.125%
HK$142,780
baseline
▲ 0.50% · 4.625%
HK$151,468
+HK$8,688/mo
Deposit HK$19.64M · loan HK$29.46M · min. income ≈ HK$285,560/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,086,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,469
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$153,477
−HK$4,067/mo
Today · 4.125%
HK$157,544
baseline
▲ 0.50% · 4.625%
HK$165,848
+HK$8,304/mo
Deposit HK$19.64M · loan HK$29.46M · min. income ≈ HK$315,088/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,086,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,747
−HK$9,830/mo
▼ 0.25% · 3.875%
HK$161,623
−HK$4,954/mo
Today · 4.125%
HK$166,577
baseline
▲ 0.50% · 4.625%
HK$176,713
+HK$10,136/mo
Deposit HK$14.73M · loan HK$34.37M · min. income ≈ HK$333,154/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$2,086,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,380
−HK$9,421/mo
▼ 0.25% · 3.875%
HK$179,057
−HK$4,744/mo
Today · 4.125%
HK$183,801
baseline
▲ 0.50% · 4.625%
HK$193,490
+HK$9,689/mo
Deposit HK$14.73M · loan HK$34.37M · min. income ≈ HK$367,602/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$2,086,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,532
−HK$12,638/mo
▼ 0.25% · 3.875%
HK$207,801
−HK$6,369/mo
Today · 4.125%
HK$214,170
baseline
▲ 0.50% · 4.625%
HK$227,202
+HK$13,032/mo
Deposit HK$4.91M · loan HK$44.19M · min. income ≈ HK$428,340/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,086,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,203
−HK$12,113/mo
▼ 0.25% · 3.875%
HK$230,216
−HK$6,100/mo
Today · 4.125%
HK$236,316
baseline
▲ 0.50% · 4.625%
HK$248,772
+HK$12,456/mo
Deposit HK$4.91M · loan HK$44.19M · min. income ≈ HK$472,632/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,086,785 · Scale 2, in force from 26 Feb 2026)