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$112,672
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$116,177
−HK$3,561/mo
Today · 4.125%
HK$119,738
baseline
▲ 0.50% · 4.625%
HK$127,024
+HK$7,286/mo
Deposit HK$24.71M · loan HK$24.71M · min. income ≈ HK$239,476/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,100,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,347
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,709
−HK$3,410/mo
Today · 4.125%
HK$132,119
baseline
▲ 0.50% · 4.625%
HK$139,083
+HK$6,964/mo
Deposit HK$24.71M · loan HK$24.71M · min. income ≈ HK$264,238/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,100,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,207
−HK$8,479/mo
▼ 0.25% · 3.875%
HK$139,413
−HK$4,273/mo
Today · 4.125%
HK$143,686
baseline
▲ 0.50% · 4.625%
HK$152,429
+HK$8,743/mo
Deposit HK$19.76M · loan HK$29.65M · min. income ≈ HK$287,372/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$2,100,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,416
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$154,450
−HK$4,093/mo
Today · 4.125%
HK$158,543
baseline
▲ 0.50% · 4.625%
HK$166,900
+HK$8,357/mo
Deposit HK$19.76M · loan HK$29.65M · min. income ≈ HK$317,086/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$2,100,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,741
−HK$9,892/mo
▼ 0.25% · 3.875%
HK$162,648
−HK$4,985/mo
Today · 4.125%
HK$167,633
baseline
▲ 0.50% · 4.625%
HK$177,833
+HK$10,200/mo
Deposit HK$14.82M · loan HK$34.59M · min. income ≈ HK$335,266/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$2,100,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,486
−HK$9,481/mo
▼ 0.25% · 3.875%
HK$180,192
−HK$4,775/mo
Today · 4.125%
HK$184,967
baseline
▲ 0.50% · 4.625%
HK$194,717
+HK$9,750/mo
Deposit HK$14.82M · loan HK$34.59M · min. income ≈ HK$369,934/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$2,100,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,810
−HK$12,718/mo
▼ 0.25% · 3.875%
HK$209,119
−HK$6,409/mo
Today · 4.125%
HK$215,528
baseline
▲ 0.50% · 4.625%
HK$228,643
+HK$13,115/mo
Deposit HK$4.94M · loan HK$44.47M · min. income ≈ HK$431,056/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,100,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,625
−HK$12,189/mo
▼ 0.25% · 3.875%
HK$231,676
−HK$6,138/mo
Today · 4.125%
HK$237,814
baseline
▲ 0.50% · 4.625%
HK$250,350
+HK$12,536/mo
Deposit HK$4.94M · loan HK$44.47M · min. income ≈ HK$475,628/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,100,018 · Scale 2, in force from 26 Feb 2026)