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$112,258
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$115,750
−HK$3,547/mo
Today · 4.125%
HK$119,297
baseline
▲ 0.50% · 4.625%
HK$126,556
+HK$7,259/mo
Deposit HK$24.62M · loan HK$24.62M · min. income ≈ HK$238,594/mo (50% DSR)
Upfront cash ≈ HK$26.71M (deposit + AVD stamp duty HK$2,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,886
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$128,235
−HK$3,398/mo
Today · 4.125%
HK$131,633
baseline
▲ 0.50% · 4.625%
HK$138,571
+HK$6,938/mo
Deposit HK$24.62M · loan HK$24.62M · min. income ≈ HK$263,266/mo (50% DSR)
Upfront cash ≈ HK$26.71M (deposit + AVD stamp duty HK$2,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,709
−HK$8,448/mo
▼ 0.25% · 3.875%
HK$138,899
−HK$4,258/mo
Today · 4.125%
HK$143,157
baseline
▲ 0.50% · 4.625%
HK$151,867
+HK$8,710/mo
Deposit HK$19.69M · loan HK$29.54M · min. income ≈ HK$286,314/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,863
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$153,882
−HK$4,077/mo
Today · 4.125%
HK$157,959
baseline
▲ 0.50% · 4.625%
HK$166,286
+HK$8,327/mo
Deposit HK$19.69M · loan HK$29.54M · min. income ≈ HK$315,918/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,161
−HK$9,855/mo
▼ 0.25% · 3.875%
HK$162,049
−HK$4,967/mo
Today · 4.125%
HK$167,016
baseline
▲ 0.50% · 4.625%
HK$177,179
+HK$10,163/mo
Deposit HK$14.77M · loan HK$34.46M · min. income ≈ HK$334,032/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$2,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,840
−HK$9,446/mo
▼ 0.25% · 3.875%
HK$179,529
−HK$4,757/mo
Today · 4.125%
HK$184,286
baseline
▲ 0.50% · 4.625%
HK$194,000
+HK$9,714/mo
Deposit HK$14.77M · loan HK$34.46M · min. income ≈ HK$368,572/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$2,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,064
−HK$12,671/mo
▼ 0.25% · 3.875%
HK$208,349
−HK$6,386/mo
Today · 4.125%
HK$214,735
baseline
▲ 0.50% · 4.625%
HK$227,801
+HK$13,066/mo
Deposit HK$4.92M · loan HK$44.31M · min. income ≈ HK$429,470/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,092,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,794
−HK$12,145/mo
▼ 0.25% · 3.875%
HK$230,823
−HK$6,116/mo
Today · 4.125%
HK$236,939
baseline
▲ 0.50% · 4.625%
HK$249,428
+HK$12,489/mo
Deposit HK$4.92M · loan HK$44.31M · min. income ≈ HK$473,878/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,092,288 · Scale 2, in force from 26 Feb 2026)