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$112,725
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$116,231
−HK$3,563/mo
Today · 4.125%
HK$119,794
baseline
▲ 0.50% · 4.625%
HK$127,083
+HK$7,289/mo
Deposit HK$24.72M · loan HK$24.72M · min. income ≈ HK$239,588/mo (50% DSR)
Upfront cash ≈ HK$26.82M (deposit + AVD stamp duty HK$2,100,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,405
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$128,769
−HK$3,412/mo
Today · 4.125%
HK$132,181
baseline
▲ 0.50% · 4.625%
HK$139,148
+HK$6,967/mo
Deposit HK$24.72M · loan HK$24.72M · min. income ≈ HK$264,362/mo (50% DSR)
Upfront cash ≈ HK$26.82M (deposit + AVD stamp duty HK$2,100,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,270
−HK$8,483/mo
▼ 0.25% · 3.875%
HK$139,478
−HK$4,275/mo
Today · 4.125%
HK$143,753
baseline
▲ 0.50% · 4.625%
HK$152,500
+HK$8,747/mo
Deposit HK$19.77M · loan HK$29.66M · min. income ≈ HK$287,506/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$2,100,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,487
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$154,522
−HK$4,095/mo
Today · 4.125%
HK$158,617
baseline
▲ 0.50% · 4.625%
HK$166,978
+HK$8,361/mo
Deposit HK$19.77M · loan HK$29.66M · min. income ≈ HK$317,234/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$2,100,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,815
−HK$9,896/mo
▼ 0.25% · 3.875%
HK$162,724
−HK$4,987/mo
Today · 4.125%
HK$167,711
baseline
▲ 0.50% · 4.625%
HK$177,916
+HK$10,205/mo
Deposit HK$14.83M · loan HK$34.60M · min. income ≈ HK$335,422/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$2,100,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,568
−HK$9,485/mo
▼ 0.25% · 3.875%
HK$180,276
−HK$4,777/mo
Today · 4.125%
HK$185,053
baseline
▲ 0.50% · 4.625%
HK$194,807
+HK$9,754/mo
Deposit HK$14.83M · loan HK$34.60M · min. income ≈ HK$370,106/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$2,100,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,905
−HK$12,724/mo
▼ 0.25% · 3.875%
HK$209,217
−HK$6,412/mo
Today · 4.125%
HK$215,629
baseline
▲ 0.50% · 4.625%
HK$228,749
+HK$13,120/mo
Deposit HK$4.94M · loan HK$44.49M · min. income ≈ HK$431,258/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,100,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,730
−HK$12,195/mo
▼ 0.25% · 3.875%
HK$231,784
−HK$6,141/mo
Today · 4.125%
HK$237,925
baseline
▲ 0.50% · 4.625%
HK$250,467
+HK$12,542/mo
Deposit HK$4.94M · loan HK$44.49M · min. income ≈ HK$475,850/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,100,998 · Scale 2, in force from 26 Feb 2026)