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$112,782
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$116,290
−HK$3,565/mo
Today · 4.125%
HK$119,855
baseline
▲ 0.50% · 4.625%
HK$127,148
+HK$7,293/mo
Deposit HK$24.73M · loan HK$24.73M · min. income ≈ HK$239,710/mo (50% DSR)
Upfront cash ≈ HK$26.83M (deposit + AVD stamp duty HK$2,102,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,469
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$128,834
−HK$3,414/mo
Today · 4.125%
HK$132,248
baseline
▲ 0.50% · 4.625%
HK$139,219
+HK$6,971/mo
Deposit HK$24.73M · loan HK$24.73M · min. income ≈ HK$264,496/mo (50% DSR)
Upfront cash ≈ HK$26.83M (deposit + AVD stamp duty HK$2,102,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,339
−HK$8,487/mo
▼ 0.25% · 3.875%
HK$139,548
−HK$4,278/mo
Today · 4.125%
HK$143,826
baseline
▲ 0.50% · 4.625%
HK$152,577
+HK$8,751/mo
Deposit HK$19.78M · loan HK$29.68M · min. income ≈ HK$287,652/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$2,102,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,563
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$154,601
−HK$4,096/mo
Today · 4.125%
HK$158,697
baseline
▲ 0.50% · 4.625%
HK$167,063
+HK$8,366/mo
Deposit HK$19.78M · loan HK$29.68M · min. income ≈ HK$317,394/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$2,102,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,895
−HK$9,902/mo
▼ 0.25% · 3.875%
HK$162,807
−HK$4,990/mo
Today · 4.125%
HK$167,797
baseline
▲ 0.50% · 4.625%
HK$178,007
+HK$10,210/mo
Deposit HK$14.84M · loan HK$34.62M · min. income ≈ HK$335,594/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$2,102,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,657
−HK$9,490/mo
▼ 0.25% · 3.875%
HK$180,368
−HK$4,779/mo
Today · 4.125%
HK$185,147
baseline
▲ 0.50% · 4.625%
HK$194,906
+HK$9,759/mo
Deposit HK$14.84M · loan HK$34.62M · min. income ≈ HK$370,294/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$2,102,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,008
−HK$12,730/mo
▼ 0.25% · 3.875%
HK$209,323
−HK$6,415/mo
Today · 4.125%
HK$215,738
baseline
▲ 0.50% · 4.625%
HK$228,866
+HK$13,128/mo
Deposit HK$4.95M · loan HK$44.51M · min. income ≈ HK$431,476/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$2,102,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,844
−HK$12,202/mo
▼ 0.25% · 3.875%
HK$231,901
−HK$6,145/mo
Today · 4.125%
HK$238,046
baseline
▲ 0.50% · 4.625%
HK$250,594
+HK$12,548/mo
Deposit HK$4.95M · loan HK$44.51M · min. income ≈ HK$476,092/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$2,102,064 · Scale 2, in force from 26 Feb 2026)