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$111,657
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$115,130
−HK$3,528/mo
Today · 4.125%
HK$118,658
baseline
▲ 0.50% · 4.625%
HK$125,879
+HK$7,221/mo
Deposit HK$24.48M · loan HK$24.48M · min. income ≈ HK$237,316/mo (50% DSR)
Upfront cash ≈ HK$26.56M (deposit + AVD stamp duty HK$2,081,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,217
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$127,548
−HK$3,380/mo
Today · 4.125%
HK$130,928
baseline
▲ 0.50% · 4.625%
HK$137,829
+HK$6,901/mo
Deposit HK$24.48M · loan HK$24.48M · min. income ≈ HK$261,856/mo (50% DSR)
Upfront cash ≈ HK$26.56M (deposit + AVD stamp duty HK$2,081,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,988
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$138,156
−HK$4,234/mo
Today · 4.125%
HK$142,390
baseline
▲ 0.50% · 4.625%
HK$151,054
+HK$8,664/mo
Deposit HK$19.59M · loan HK$29.38M · min. income ≈ HK$284,780/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$2,081,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,060
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$153,058
−HK$4,056/mo
Today · 4.125%
HK$157,114
baseline
▲ 0.50% · 4.625%
HK$165,395
+HK$8,281/mo
Deposit HK$19.59M · loan HK$29.38M · min. income ≈ HK$314,228/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$2,081,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,319
−HK$9,803/mo
▼ 0.25% · 3.875%
HK$161,182
−HK$4,940/mo
Today · 4.125%
HK$166,122
baseline
▲ 0.50% · 4.625%
HK$176,230
+HK$10,108/mo
Deposit HK$14.69M · loan HK$34.28M · min. income ≈ HK$332,244/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$2,081,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,904
−HK$9,395/mo
▼ 0.25% · 3.875%
HK$178,568
−HK$4,731/mo
Today · 4.125%
HK$183,299
baseline
▲ 0.50% · 4.625%
HK$192,961
+HK$9,662/mo
Deposit HK$14.69M · loan HK$34.28M · min. income ≈ HK$366,598/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$2,081,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,982
−HK$12,603/mo
▼ 0.25% · 3.875%
HK$207,234
−HK$6,351/mo
Today · 4.125%
HK$213,585
baseline
▲ 0.50% · 4.625%
HK$226,581
+HK$12,996/mo
Deposit HK$4.90M · loan HK$44.07M · min. income ≈ HK$427,170/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,081,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,590
−HK$12,080/mo
▼ 0.25% · 3.875%
HK$229,587
−HK$6,083/mo
Today · 4.125%
HK$235,670
baseline
▲ 0.50% · 4.625%
HK$248,093
+HK$12,423/mo
Deposit HK$4.90M · loan HK$44.07M · min. income ≈ HK$471,340/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,081,085 · Scale 2, in force from 26 Feb 2026)