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$111,684
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,158
−HK$3,529/mo
Today · 4.125%
HK$118,687
baseline
▲ 0.50% · 4.625%
HK$125,909
+HK$7,222/mo
Deposit HK$24.49M · loan HK$24.49M · min. income ≈ HK$237,374/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,081,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,247
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,579
−HK$3,381/mo
Today · 4.125%
HK$130,960
baseline
▲ 0.50% · 4.625%
HK$137,863
+HK$6,903/mo
Deposit HK$24.49M · loan HK$24.49M · min. income ≈ HK$261,920/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,081,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,020
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$138,189
−HK$4,236/mo
Today · 4.125%
HK$142,425
baseline
▲ 0.50% · 4.625%
HK$151,091
+HK$8,666/mo
Deposit HK$19.59M · loan HK$29.39M · min. income ≈ HK$284,850/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$2,081,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,096
−HK$8,055/mo
▼ 0.25% · 3.875%
HK$153,095
−HK$4,056/mo
Today · 4.125%
HK$157,151
baseline
▲ 0.50% · 4.625%
HK$165,435
+HK$8,284/mo
Deposit HK$19.59M · loan HK$29.39M · min. income ≈ HK$314,302/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$2,081,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,357
−HK$9,805/mo
▼ 0.25% · 3.875%
HK$161,221
−HK$4,941/mo
Today · 4.125%
HK$166,162
baseline
▲ 0.50% · 4.625%
HK$176,272
+HK$10,110/mo
Deposit HK$14.69M · loan HK$34.28M · min. income ≈ HK$332,324/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$2,081,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,946
−HK$9,397/mo
▼ 0.25% · 3.875%
HK$178,611
−HK$4,732/mo
Today · 4.125%
HK$183,343
baseline
▲ 0.50% · 4.625%
HK$193,008
+HK$9,665/mo
Deposit HK$14.69M · loan HK$34.28M · min. income ≈ HK$366,686/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$2,081,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,030
−HK$12,607/mo
▼ 0.25% · 3.875%
HK$207,284
−HK$6,353/mo
Today · 4.125%
HK$213,637
baseline
▲ 0.50% · 4.625%
HK$226,636
+HK$12,999/mo
Deposit HK$4.90M · loan HK$44.08M · min. income ≈ HK$427,274/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,081,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,644
−HK$12,083/mo
▼ 0.25% · 3.875%
HK$229,642
−HK$6,085/mo
Today · 4.125%
HK$235,727
baseline
▲ 0.50% · 4.625%
HK$248,153
+HK$12,426/mo
Deposit HK$4.90M · loan HK$44.08M · min. income ≈ HK$471,454/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,081,587 · Scale 2, in force from 26 Feb 2026)