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$112,620
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,123
−HK$3,559/mo
Today · 4.125%
HK$119,682
baseline
▲ 0.50% · 4.625%
HK$126,965
+HK$7,283/mo
Deposit HK$24.69M · loan HK$24.69M · min. income ≈ HK$239,364/mo (50% DSR)
Upfront cash ≈ HK$26.79M (deposit + AVD stamp duty HK$2,099,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,289
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,649
−HK$3,408/mo
Today · 4.125%
HK$132,057
baseline
▲ 0.50% · 4.625%
HK$139,018
+HK$6,961/mo
Deposit HK$24.69M · loan HK$24.69M · min. income ≈ HK$264,114/mo (50% DSR)
Upfront cash ≈ HK$26.79M (deposit + AVD stamp duty HK$2,099,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,144
−HK$8,475/mo
▼ 0.25% · 3.875%
HK$139,348
−HK$4,271/mo
Today · 4.125%
HK$143,619
baseline
▲ 0.50% · 4.625%
HK$152,357
+HK$8,738/mo
Deposit HK$19.76M · loan HK$29.63M · min. income ≈ HK$287,238/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$2,099,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,346
−HK$8,123/mo
▼ 0.25% · 3.875%
HK$154,378
−HK$4,091/mo
Today · 4.125%
HK$158,469
baseline
▲ 0.50% · 4.625%
HK$166,822
+HK$8,353/mo
Deposit HK$19.76M · loan HK$29.63M · min. income ≈ HK$316,938/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$2,099,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,668
−HK$9,887/mo
▼ 0.25% · 3.875%
HK$162,572
−HK$4,983/mo
Today · 4.125%
HK$167,555
baseline
▲ 0.50% · 4.625%
HK$177,750
+HK$10,195/mo
Deposit HK$14.82M · loan HK$34.57M · min. income ≈ HK$335,110/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$2,099,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,404
−HK$9,476/mo
▼ 0.25% · 3.875%
HK$180,108
−HK$4,772/mo
Today · 4.125%
HK$184,880
baseline
▲ 0.50% · 4.625%
HK$194,626
+HK$9,746/mo
Deposit HK$14.82M · loan HK$34.57M · min. income ≈ HK$369,760/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$2,099,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,716
−HK$12,712/mo
▼ 0.25% · 3.875%
HK$209,021
−HK$6,407/mo
Today · 4.125%
HK$215,428
baseline
▲ 0.50% · 4.625%
HK$228,536
+HK$13,108/mo
Deposit HK$4.94M · loan HK$44.45M · min. income ≈ HK$430,856/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,099,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,519
−HK$12,184/mo
▼ 0.25% · 3.875%
HK$231,568
−HK$6,135/mo
Today · 4.125%
HK$237,703
baseline
▲ 0.50% · 4.625%
HK$250,233
+HK$12,530/mo
Deposit HK$4.94M · loan HK$44.45M · min. income ≈ HK$475,406/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,099,039 · Scale 2, in force from 26 Feb 2026)