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$113,096
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,614
−HK$3,575/mo
Today · 4.125%
HK$120,189
baseline
▲ 0.50% · 4.625%
HK$127,502
+HK$7,313/mo
Deposit HK$24.80M · loan HK$24.80M · min. income ≈ HK$240,378/mo (50% DSR)
Upfront cash ≈ HK$26.91M (deposit + AVD stamp duty HK$2,107,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,819
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$129,193
−HK$3,423/mo
Today · 4.125%
HK$132,616
baseline
▲ 0.50% · 4.625%
HK$139,607
+HK$6,991/mo
Deposit HK$24.80M · loan HK$24.80M · min. income ≈ HK$265,232/mo (50% DSR)
Upfront cash ≈ HK$26.91M (deposit + AVD stamp duty HK$2,107,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,716
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$139,937
−HK$4,289/mo
Today · 4.125%
HK$144,226
baseline
▲ 0.50% · 4.625%
HK$153,002
+HK$8,776/mo
Deposit HK$19.84M · loan HK$29.76M · min. income ≈ HK$288,452/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$2,107,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,982
−HK$8,157/mo
▼ 0.25% · 3.875%
HK$155,032
−HK$4,107/mo
Today · 4.125%
HK$159,139
baseline
▲ 0.50% · 4.625%
HK$167,528
+HK$8,389/mo
Deposit HK$19.84M · loan HK$29.76M · min. income ≈ HK$318,278/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$2,107,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,335
−HK$9,929/mo
▼ 0.25% · 3.875%
HK$163,260
−HK$5,004/mo
Today · 4.125%
HK$168,264
baseline
▲ 0.50% · 4.625%
HK$178,502
+HK$10,238/mo
Deposit HK$14.88M · loan HK$34.72M · min. income ≈ HK$336,528/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$2,107,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,146
−HK$9,517/mo
▼ 0.25% · 3.875%
HK$180,870
−HK$4,793/mo
Today · 4.125%
HK$185,663
baseline
▲ 0.50% · 4.625%
HK$195,449
+HK$9,786/mo
Deposit HK$14.88M · loan HK$34.72M · min. income ≈ HK$371,326/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$2,107,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,574
−HK$12,765/mo
▼ 0.25% · 3.875%
HK$209,906
−HK$6,433/mo
Today · 4.125%
HK$216,339
baseline
▲ 0.50% · 4.625%
HK$229,503
+HK$13,164/mo
Deposit HK$4.96M · loan HK$44.64M · min. income ≈ HK$432,678/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,107,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,474
−HK$12,235/mo
▼ 0.25% · 3.875%
HK$232,547
−HK$6,162/mo
Today · 4.125%
HK$238,709
baseline
▲ 0.50% · 4.625%
HK$251,292
+HK$12,583/mo
Deposit HK$4.96M · loan HK$44.64M · min. income ≈ HK$477,418/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,107,921 · Scale 2, in force from 26 Feb 2026)