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$112,182
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$115,672
−HK$3,545/mo
Today · 4.125%
HK$119,217
baseline
▲ 0.50% · 4.625%
HK$126,471
+HK$7,254/mo
Deposit HK$24.60M · loan HK$24.60M · min. income ≈ HK$238,434/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,090,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,801
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$128,149
−HK$3,395/mo
Today · 4.125%
HK$131,544
baseline
▲ 0.50% · 4.625%
HK$138,478
+HK$6,934/mo
Deposit HK$24.60M · loan HK$24.60M · min. income ≈ HK$263,088/mo (50% DSR)
Upfront cash ≈ HK$26.69M (deposit + AVD stamp duty HK$2,090,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,618
−HK$8,442/mo
▼ 0.25% · 3.875%
HK$138,806
−HK$4,254/mo
Today · 4.125%
HK$143,060
baseline
▲ 0.50% · 4.625%
HK$151,765
+HK$8,705/mo
Deposit HK$19.68M · loan HK$29.52M · min. income ≈ HK$286,120/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,090,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,762
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$153,778
−HK$4,075/mo
Today · 4.125%
HK$157,853
baseline
▲ 0.50% · 4.625%
HK$166,173
+HK$8,320/mo
Deposit HK$19.68M · loan HK$29.52M · min. income ≈ HK$315,706/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,090,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,055
−HK$9,849/mo
▼ 0.25% · 3.875%
HK$161,940
−HK$4,964/mo
Today · 4.125%
HK$166,904
baseline
▲ 0.50% · 4.625%
HK$177,059
+HK$10,155/mo
Deposit HK$14.76M · loan HK$34.44M · min. income ≈ HK$333,808/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,090,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,722
−HK$9,440/mo
▼ 0.25% · 3.875%
HK$179,408
−HK$4,754/mo
Today · 4.125%
HK$184,162
baseline
▲ 0.50% · 4.625%
HK$193,869
+HK$9,707/mo
Deposit HK$14.76M · loan HK$34.44M · min. income ≈ HK$368,324/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$2,090,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,928
−HK$12,662/mo
▼ 0.25% · 3.875%
HK$208,209
−HK$6,381/mo
Today · 4.125%
HK$214,590
baseline
▲ 0.50% · 4.625%
HK$227,648
+HK$13,058/mo
Deposit HK$4.92M · loan HK$44.28M · min. income ≈ HK$429,180/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,090,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,643
−HK$12,136/mo
▼ 0.25% · 3.875%
HK$230,667
−HK$6,112/mo
Today · 4.125%
HK$236,779
baseline
▲ 0.50% · 4.625%
HK$249,260
+HK$12,481/mo
Deposit HK$4.92M · loan HK$44.28M · min. income ≈ HK$473,558/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,090,878 · Scale 2, in force from 26 Feb 2026)