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$112,307
−HK$7,043/mo
▼ 0.25% · 3.875%
HK$115,801
−HK$3,549/mo
Today · 4.125%
HK$119,350
baseline
▲ 0.50% · 4.625%
HK$126,612
+HK$7,262/mo
Deposit HK$24.63M · loan HK$24.63M · min. income ≈ HK$238,700/mo (50% DSR)
Upfront cash ≈ HK$26.72M (deposit + AVD stamp duty HK$2,093,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,941
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$128,292
−HK$3,399/mo
Today · 4.125%
HK$131,691
baseline
▲ 0.50% · 4.625%
HK$138,633
+HK$6,942/mo
Deposit HK$24.63M · loan HK$24.63M · min. income ≈ HK$263,382/mo (50% DSR)
Upfront cash ≈ HK$26.72M (deposit + AVD stamp duty HK$2,093,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,769
−HK$8,451/mo
▼ 0.25% · 3.875%
HK$138,961
−HK$4,259/mo
Today · 4.125%
HK$143,220
baseline
▲ 0.50% · 4.625%
HK$151,935
+HK$8,715/mo
Deposit HK$19.70M · loan HK$29.55M · min. income ≈ HK$286,440/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,093,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,929
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$153,950
−HK$4,079/mo
Today · 4.125%
HK$158,029
baseline
▲ 0.50% · 4.625%
HK$166,359
+HK$8,330/mo
Deposit HK$19.70M · loan HK$29.55M · min. income ≈ HK$316,058/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,093,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,230
−HK$9,860/mo
▼ 0.25% · 3.875%
HK$162,121
−HK$4,969/mo
Today · 4.125%
HK$167,090
baseline
▲ 0.50% · 4.625%
HK$177,257
+HK$10,167/mo
Deposit HK$14.78M · loan HK$34.48M · min. income ≈ HK$334,180/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$2,093,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,917
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$179,608
−HK$4,759/mo
Today · 4.125%
HK$184,367
baseline
▲ 0.50% · 4.625%
HK$194,086
+HK$9,719/mo
Deposit HK$14.78M · loan HK$34.48M · min. income ≈ HK$368,734/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$2,093,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,153
−HK$12,677/mo
▼ 0.25% · 3.875%
HK$208,441
−HK$6,389/mo
Today · 4.125%
HK$214,830
baseline
▲ 0.50% · 4.625%
HK$227,902
+HK$13,072/mo
Deposit HK$4.93M · loan HK$44.33M · min. income ≈ HK$429,660/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,093,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,894
−HK$12,150/mo
▼ 0.25% · 3.875%
HK$230,925
−HK$6,119/mo
Today · 4.125%
HK$237,044
baseline
▲ 0.50% · 4.625%
HK$249,539
+HK$12,495/mo
Deposit HK$4.93M · loan HK$44.33M · min. income ≈ HK$474,088/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,093,214 · Scale 2, in force from 26 Feb 2026)