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$111,754
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$115,230
−HK$3,532/mo
Today · 4.125%
HK$118,762
baseline
▲ 0.50% · 4.625%
HK$125,988
+HK$7,226/mo
Deposit HK$24.50M · loan HK$24.50M · min. income ≈ HK$237,524/mo (50% DSR)
Upfront cash ≈ HK$26.59M (deposit + AVD stamp duty HK$2,082,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,325
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$127,659
−HK$3,383/mo
Today · 4.125%
HK$131,042
baseline
▲ 0.50% · 4.625%
HK$137,949
+HK$6,907/mo
Deposit HK$24.50M · loan HK$24.50M · min. income ≈ HK$262,084/mo (50% DSR)
Upfront cash ≈ HK$26.59M (deposit + AVD stamp duty HK$2,082,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,105
−HK$8,409/mo
▼ 0.25% · 3.875%
HK$138,276
−HK$4,238/mo
Today · 4.125%
HK$142,514
baseline
▲ 0.50% · 4.625%
HK$151,186
+HK$8,672/mo
Deposit HK$19.60M · loan HK$29.41M · min. income ≈ HK$285,028/mo (50% DSR)
Upfront cash ≈ HK$21.69M (deposit + AVD stamp duty HK$2,082,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,190
−HK$8,060/mo
▼ 0.25% · 3.875%
HK$153,191
−HK$4,059/mo
Today · 4.125%
HK$157,250
baseline
▲ 0.50% · 4.625%
HK$165,539
+HK$8,289/mo
Deposit HK$19.60M · loan HK$29.41M · min. income ≈ HK$314,500/mo (50% DSR)
Upfront cash ≈ HK$21.69M (deposit + AVD stamp duty HK$2,082,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,455
−HK$9,812/mo
▼ 0.25% · 3.875%
HK$161,322
−HK$4,945/mo
Today · 4.125%
HK$166,267
baseline
▲ 0.50% · 4.625%
HK$176,383
+HK$10,116/mo
Deposit HK$14.70M · loan HK$34.31M · min. income ≈ HK$332,534/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$2,082,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,055
−HK$9,404/mo
▼ 0.25% · 3.875%
HK$178,723
−HK$4,736/mo
Today · 4.125%
HK$183,459
baseline
▲ 0.50% · 4.625%
HK$193,129
+HK$9,670/mo
Deposit HK$14.70M · loan HK$34.31M · min. income ≈ HK$366,918/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$2,082,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,157
−HK$12,614/mo
▼ 0.25% · 3.875%
HK$207,414
−HK$6,357/mo
Today · 4.125%
HK$213,771
baseline
▲ 0.50% · 4.625%
HK$226,779
+HK$13,008/mo
Deposit HK$4.90M · loan HK$44.11M · min. income ≈ HK$427,542/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,082,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,785
−HK$12,090/mo
▼ 0.25% · 3.875%
HK$229,787
−HK$6,088/mo
Today · 4.125%
HK$235,875
baseline
▲ 0.50% · 4.625%
HK$248,309
+HK$12,434/mo
Deposit HK$4.90M · loan HK$44.11M · min. income ≈ HK$471,750/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,082,897 · Scale 2, in force from 26 Feb 2026)