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$112,955
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$116,468
−HK$3,570/mo
Today · 4.125%
HK$120,038
baseline
▲ 0.50% · 4.625%
HK$127,342
+HK$7,304/mo
Deposit HK$24.77M · loan HK$24.77M · min. income ≈ HK$240,076/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$2,105,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,661
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$129,031
−HK$3,419/mo
Today · 4.125%
HK$132,450
baseline
▲ 0.50% · 4.625%
HK$139,432
+HK$6,982/mo
Deposit HK$24.77M · loan HK$24.77M · min. income ≈ HK$264,900/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$2,105,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,546
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$139,762
−HK$4,283/mo
Today · 4.125%
HK$144,045
baseline
▲ 0.50% · 4.625%
HK$152,810
+HK$8,765/mo
Deposit HK$19.81M · loan HK$29.72M · min. income ≈ HK$288,090/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,105,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,793
−HK$8,147/mo
▼ 0.25% · 3.875%
HK$154,837
−HK$4,103/mo
Today · 4.125%
HK$158,940
baseline
▲ 0.50% · 4.625%
HK$167,318
+HK$8,378/mo
Deposit HK$19.81M · loan HK$29.72M · min. income ≈ HK$317,880/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,105,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,136
−HK$9,917/mo
▼ 0.25% · 3.875%
HK$163,055
−HK$4,998/mo
Today · 4.125%
HK$168,053
baseline
▲ 0.50% · 4.625%
HK$178,279
+HK$10,226/mo
Deposit HK$14.86M · loan HK$34.68M · min. income ≈ HK$336,106/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$2,105,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,925
−HK$9,505/mo
▼ 0.25% · 3.875%
HK$180,643
−HK$4,787/mo
Today · 4.125%
HK$185,430
baseline
▲ 0.50% · 4.625%
HK$195,204
+HK$9,774/mo
Deposit HK$14.86M · loan HK$34.68M · min. income ≈ HK$370,860/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$2,105,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,318
−HK$12,750/mo
▼ 0.25% · 3.875%
HK$209,643
−HK$6,425/mo
Today · 4.125%
HK$216,068
baseline
▲ 0.50% · 4.625%
HK$229,215
+HK$13,147/mo
Deposit HK$4.95M · loan HK$44.58M · min. income ≈ HK$432,136/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,105,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,190
−HK$12,220/mo
▼ 0.25% · 3.875%
HK$232,256
−HK$6,154/mo
Today · 4.125%
HK$238,410
baseline
▲ 0.50% · 4.625%
HK$250,977
+HK$12,567/mo
Deposit HK$4.95M · loan HK$44.58M · min. income ≈ HK$476,820/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,105,277 · Scale 2, in force from 26 Feb 2026)