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$112,144
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,632
−HK$3,544/mo
Today · 4.125%
HK$119,176
baseline
▲ 0.50% · 4.625%
HK$126,428
+HK$7,252/mo
Deposit HK$24.59M · loan HK$24.59M · min. income ≈ HK$238,352/mo (50% DSR)
Upfront cash ≈ HK$26.68M (deposit + AVD stamp duty HK$2,090,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,759
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$128,105
−HK$3,394/mo
Today · 4.125%
HK$131,499
baseline
▲ 0.50% · 4.625%
HK$138,431
+HK$6,932/mo
Deposit HK$24.59M · loan HK$24.59M · min. income ≈ HK$262,998/mo (50% DSR)
Upfront cash ≈ HK$26.68M (deposit + AVD stamp duty HK$2,090,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,573
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$138,759
−HK$4,252/mo
Today · 4.125%
HK$143,011
baseline
▲ 0.50% · 4.625%
HK$151,713
+HK$8,702/mo
Deposit HK$19.67M · loan HK$29.51M · min. income ≈ HK$286,022/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,090,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,711
−HK$8,088/mo
▼ 0.25% · 3.875%
HK$153,726
−HK$4,073/mo
Today · 4.125%
HK$157,799
baseline
▲ 0.50% · 4.625%
HK$166,117
+HK$8,318/mo
Deposit HK$19.67M · loan HK$29.51M · min. income ≈ HK$315,598/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$2,090,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,001
−HK$9,846/mo
▼ 0.25% · 3.875%
HK$161,885
−HK$4,962/mo
Today · 4.125%
HK$166,847
baseline
▲ 0.50% · 4.625%
HK$176,999
+HK$10,152/mo
Deposit HK$14.75M · loan HK$34.43M · min. income ≈ HK$333,694/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,090,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,662
−HK$9,437/mo
▼ 0.25% · 3.875%
HK$179,347
−HK$4,752/mo
Today · 4.125%
HK$184,099
baseline
▲ 0.50% · 4.625%
HK$193,803
+HK$9,704/mo
Deposit HK$14.75M · loan HK$34.43M · min. income ≈ HK$368,198/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,090,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,859
−HK$12,658/mo
▼ 0.25% · 3.875%
HK$208,138
−HK$6,379/mo
Today · 4.125%
HK$214,517
baseline
▲ 0.50% · 4.625%
HK$227,570
+HK$13,053/mo
Deposit HK$4.92M · loan HK$44.26M · min. income ≈ HK$429,034/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,090,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,566
−HK$12,133/mo
▼ 0.25% · 3.875%
HK$230,589
−HK$6,110/mo
Today · 4.125%
HK$236,699
baseline
▲ 0.50% · 4.625%
HK$249,175
+HK$12,476/mo
Deposit HK$4.92M · loan HK$44.26M · min. income ≈ HK$473,398/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$2,090,166 · Scale 2, in force from 26 Feb 2026)