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$113,191
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,712
−HK$3,577/mo
Today · 4.125%
HK$120,289
baseline
▲ 0.50% · 4.625%
HK$127,609
+HK$7,320/mo
Deposit HK$24.82M · loan HK$24.82M · min. income ≈ HK$240,578/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,109,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,924
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,302
−HK$3,426/mo
Today · 4.125%
HK$132,728
baseline
▲ 0.50% · 4.625%
HK$139,724
+HK$6,996/mo
Deposit HK$24.82M · loan HK$24.82M · min. income ≈ HK$265,456/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,109,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,830
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$140,055
−HK$4,292/mo
Today · 4.125%
HK$144,347
baseline
▲ 0.50% · 4.625%
HK$153,131
+HK$8,784/mo
Deposit HK$19.86M · loan HK$29.78M · min. income ≈ HK$288,694/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,109,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,109
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$155,162
−HK$4,111/mo
Today · 4.125%
HK$159,273
baseline
▲ 0.50% · 4.625%
HK$167,669
+HK$8,396/mo
Deposit HK$19.86M · loan HK$29.78M · min. income ≈ HK$318,546/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,109,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,468
−HK$9,937/mo
▼ 0.25% · 3.875%
HK$163,397
−HK$5,008/mo
Today · 4.125%
HK$168,405
baseline
▲ 0.50% · 4.625%
HK$178,652
+HK$10,247/mo
Deposit HK$14.89M · loan HK$34.75M · min. income ≈ HK$336,810/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,109,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,294
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$181,022
−HK$4,797/mo
Today · 4.125%
HK$185,819
baseline
▲ 0.50% · 4.625%
HK$195,613
+HK$9,794/mo
Deposit HK$14.89M · loan HK$34.75M · min. income ≈ HK$371,638/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,109,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,744
−HK$12,777/mo
▼ 0.25% · 3.875%
HK$210,082
−HK$6,439/mo
Today · 4.125%
HK$216,521
baseline
▲ 0.50% · 4.625%
HK$229,696
+HK$13,175/mo
Deposit HK$4.96M · loan HK$44.68M · min. income ≈ HK$433,042/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,109,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,664
−HK$12,246/mo
▼ 0.25% · 3.875%
HK$232,743
−HK$6,167/mo
Today · 4.125%
HK$238,910
baseline
▲ 0.50% · 4.625%
HK$251,503
+HK$12,593/mo
Deposit HK$4.96M · loan HK$44.68M · min. income ≈ HK$477,820/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,109,690 · Scale 2, in force from 26 Feb 2026)