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$111,681
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$115,155
−HK$3,530/mo
Today · 4.125%
HK$118,685
baseline
▲ 0.50% · 4.625%
HK$125,906
+HK$7,221/mo
Deposit HK$24.49M · loan HK$24.49M · min. income ≈ HK$237,370/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,081,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,244
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,577
−HK$3,380/mo
Today · 4.125%
HK$130,957
baseline
▲ 0.50% · 4.625%
HK$137,860
+HK$6,903/mo
Deposit HK$24.49M · loan HK$24.49M · min. income ≈ HK$261,914/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,081,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,018
−HK$8,404/mo
▼ 0.25% · 3.875%
HK$138,186
−HK$4,236/mo
Today · 4.125%
HK$142,422
baseline
▲ 0.50% · 4.625%
HK$151,088
+HK$8,666/mo
Deposit HK$19.59M · loan HK$29.39M · min. income ≈ HK$284,844/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$2,081,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,093
−HK$8,055/mo
▼ 0.25% · 3.875%
HK$153,092
−HK$4,056/mo
Today · 4.125%
HK$157,148
baseline
▲ 0.50% · 4.625%
HK$165,432
+HK$8,284/mo
Deposit HK$19.59M · loan HK$29.39M · min. income ≈ HK$314,296/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$2,081,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,354
−HK$9,805/mo
▼ 0.25% · 3.875%
HK$161,217
−HK$4,942/mo
Today · 4.125%
HK$166,159
baseline
▲ 0.50% · 4.625%
HK$176,269
+HK$10,110/mo
Deposit HK$14.69M · loan HK$34.28M · min. income ≈ HK$332,318/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$2,081,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,942
−HK$9,398/mo
▼ 0.25% · 3.875%
HK$178,607
−HK$4,733/mo
Today · 4.125%
HK$183,340
baseline
▲ 0.50% · 4.625%
HK$193,004
+HK$9,664/mo
Deposit HK$14.69M · loan HK$34.28M · min. income ≈ HK$366,680/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$2,081,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,026
−HK$12,607/mo
▼ 0.25% · 3.875%
HK$207,279
−HK$6,354/mo
Today · 4.125%
HK$213,633
baseline
▲ 0.50% · 4.625%
HK$226,632
+HK$12,999/mo
Deposit HK$4.90M · loan HK$44.08M · min. income ≈ HK$427,266/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,081,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,640
−HK$12,082/mo
▼ 0.25% · 3.875%
HK$229,638
−HK$6,084/mo
Today · 4.125%
HK$235,722
baseline
▲ 0.50% · 4.625%
HK$248,148
+HK$12,426/mo
Deposit HK$4.90M · loan HK$44.08M · min. income ≈ HK$471,444/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,081,545 · Scale 2, in force from 26 Feb 2026)