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$111,637
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$115,110
−HK$3,528/mo
Today · 4.125%
HK$118,638
baseline
▲ 0.50% · 4.625%
HK$125,857
+HK$7,219/mo
Deposit HK$24.48M · loan HK$24.48M · min. income ≈ HK$237,276/mo (50% DSR)
Upfront cash ≈ HK$26.56M (deposit + AVD stamp duty HK$2,080,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,195
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$127,526
−HK$3,379/mo
Today · 4.125%
HK$130,905
baseline
▲ 0.50% · 4.625%
HK$137,805
+HK$6,900/mo
Deposit HK$24.48M · loan HK$24.48M · min. income ≈ HK$261,810/mo (50% DSR)
Upfront cash ≈ HK$26.56M (deposit + AVD stamp duty HK$2,080,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,964
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$138,132
−HK$4,233/mo
Today · 4.125%
HK$142,365
baseline
▲ 0.50% · 4.625%
HK$151,028
+HK$8,663/mo
Deposit HK$19.58M · loan HK$29.37M · min. income ≈ HK$284,730/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$2,080,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,034
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$153,031
−HK$4,055/mo
Today · 4.125%
HK$157,086
baseline
▲ 0.50% · 4.625%
HK$165,366
+HK$8,280/mo
Deposit HK$19.58M · loan HK$29.37M · min. income ≈ HK$314,172/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$2,080,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,292
−HK$9,801/mo
▼ 0.25% · 3.875%
HK$161,153
−HK$4,940/mo
Today · 4.125%
HK$166,093
baseline
▲ 0.50% · 4.625%
HK$176,199
+HK$10,106/mo
Deposit HK$14.69M · loan HK$34.27M · min. income ≈ HK$332,186/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$2,080,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,873
−HK$9,394/mo
▼ 0.25% · 3.875%
HK$178,536
−HK$4,731/mo
Today · 4.125%
HK$183,267
baseline
▲ 0.50% · 4.625%
HK$192,927
+HK$9,660/mo
Deposit HK$14.69M · loan HK$34.27M · min. income ≈ HK$366,534/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$2,080,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,947
−HK$12,601/mo
▼ 0.25% · 3.875%
HK$207,197
−HK$6,351/mo
Today · 4.125%
HK$213,548
baseline
▲ 0.50% · 4.625%
HK$226,542
+HK$12,994/mo
Deposit HK$4.90M · loan HK$44.06M · min. income ≈ HK$427,096/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,080,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,551
−HK$12,078/mo
▼ 0.25% · 3.875%
HK$229,547
−HK$6,082/mo
Today · 4.125%
HK$235,629
baseline
▲ 0.50% · 4.625%
HK$248,049
+HK$12,420/mo
Deposit HK$4.90M · loan HK$44.06M · min. income ≈ HK$471,258/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,080,721 · Scale 2, in force from 26 Feb 2026)