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$113,198
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,719
−HK$3,577/mo
Today · 4.125%
HK$120,296
baseline
▲ 0.50% · 4.625%
HK$127,616
+HK$7,320/mo
Deposit HK$24.82M · loan HK$24.82M · min. income ≈ HK$240,592/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,109,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,931
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,309
−HK$3,426/mo
Today · 4.125%
HK$132,735
baseline
▲ 0.50% · 4.625%
HK$139,732
+HK$6,997/mo
Deposit HK$24.82M · loan HK$24.82M · min. income ≈ HK$265,470/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,109,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,837
−HK$8,519/mo
▼ 0.25% · 3.875%
HK$140,063
−HK$4,293/mo
Today · 4.125%
HK$144,356
baseline
▲ 0.50% · 4.625%
HK$153,139
+HK$8,783/mo
Deposit HK$19.86M · loan HK$29.79M · min. income ≈ HK$288,712/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,109,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,118
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$155,171
−HK$4,111/mo
Today · 4.125%
HK$159,282
baseline
▲ 0.50% · 4.625%
HK$167,678
+HK$8,396/mo
Deposit HK$19.86M · loan HK$29.79M · min. income ≈ HK$318,564/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,109,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,477
−HK$9,938/mo
▼ 0.25% · 3.875%
HK$163,407
−HK$5,008/mo
Today · 4.125%
HK$168,415
baseline
▲ 0.50% · 4.625%
HK$178,663
+HK$10,248/mo
Deposit HK$14.89M · loan HK$34.75M · min. income ≈ HK$336,830/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,109,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,304
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$181,032
−HK$4,797/mo
Today · 4.125%
HK$185,829
baseline
▲ 0.50% · 4.625%
HK$195,625
+HK$9,796/mo
Deposit HK$14.89M · loan HK$34.75M · min. income ≈ HK$371,658/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,109,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,756
−HK$12,777/mo
▼ 0.25% · 3.875%
HK$210,094
−HK$6,439/mo
Today · 4.125%
HK$216,533
baseline
▲ 0.50% · 4.625%
HK$229,709
+HK$13,176/mo
Deposit HK$4.96M · loan HK$44.68M · min. income ≈ HK$433,066/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,109,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,677
−HK$12,246/mo
▼ 0.25% · 3.875%
HK$232,756
−HK$6,167/mo
Today · 4.125%
HK$238,923
baseline
▲ 0.50% · 4.625%
HK$251,517
+HK$12,594/mo
Deposit HK$4.96M · loan HK$44.68M · min. income ≈ HK$477,846/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,109,811 · Scale 2, in force from 26 Feb 2026)