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$113,035
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$116,551
−HK$3,572/mo
Today · 4.125%
HK$120,123
baseline
▲ 0.50% · 4.625%
HK$127,432
+HK$7,309/mo
Deposit HK$24.79M · loan HK$24.79M · min. income ≈ HK$240,246/mo (50% DSR)
Upfront cash ≈ HK$26.89M (deposit + AVD stamp duty HK$2,106,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,750
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$129,122
−HK$3,422/mo
Today · 4.125%
HK$132,544
baseline
▲ 0.50% · 4.625%
HK$139,530
+HK$6,986/mo
Deposit HK$24.79M · loan HK$24.79M · min. income ≈ HK$265,088/mo (50% DSR)
Upfront cash ≈ HK$26.89M (deposit + AVD stamp duty HK$2,106,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,642
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$139,861
−HK$4,287/mo
Today · 4.125%
HK$144,148
baseline
▲ 0.50% · 4.625%
HK$152,919
+HK$8,771/mo
Deposit HK$19.83M · loan HK$29.74M · min. income ≈ HK$288,296/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$2,106,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,900
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$154,947
−HK$4,106/mo
Today · 4.125%
HK$159,053
baseline
▲ 0.50% · 4.625%
HK$167,436
+HK$8,383/mo
Deposit HK$19.83M · loan HK$29.74M · min. income ≈ HK$318,106/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$2,106,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,249
−HK$9,923/mo
▼ 0.25% · 3.875%
HK$163,171
−HK$5,001/mo
Today · 4.125%
HK$168,172
baseline
▲ 0.50% · 4.625%
HK$178,405
+HK$10,233/mo
Deposit HK$14.87M · loan HK$34.70M · min. income ≈ HK$336,344/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$2,106,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,050
−HK$9,511/mo
▼ 0.25% · 3.875%
HK$180,771
−HK$4,790/mo
Today · 4.125%
HK$185,561
baseline
▲ 0.50% · 4.625%
HK$195,343
+HK$9,782/mo
Deposit HK$14.87M · loan HK$34.70M · min. income ≈ HK$371,122/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$2,106,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,462
−HK$12,759/mo
▼ 0.25% · 3.875%
HK$209,791
−HK$6,430/mo
Today · 4.125%
HK$216,221
baseline
▲ 0.50% · 4.625%
HK$229,378
+HK$13,157/mo
Deposit HK$4.96M · loan HK$44.61M · min. income ≈ HK$432,442/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,106,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,350
−HK$12,229/mo
▼ 0.25% · 3.875%
HK$232,420
−HK$6,159/mo
Today · 4.125%
HK$238,579
baseline
▲ 0.50% · 4.625%
HK$251,155
+HK$12,576/mo
Deposit HK$4.96M · loan HK$44.61M · min. income ≈ HK$477,158/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,106,769 · Scale 2, in force from 26 Feb 2026)