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$113,059
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$116,576
−HK$3,573/mo
Today · 4.125%
HK$120,149
baseline
▲ 0.50% · 4.625%
HK$127,460
+HK$7,311/mo
Deposit HK$24.79M · loan HK$24.79M · min. income ≈ HK$240,298/mo (50% DSR)
Upfront cash ≈ HK$26.90M (deposit + AVD stamp duty HK$2,107,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,777
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,151
−HK$3,422/mo
Today · 4.125%
HK$132,573
baseline
▲ 0.50% · 4.625%
HK$139,561
+HK$6,988/mo
Deposit HK$24.79M · loan HK$24.79M · min. income ≈ HK$265,146/mo (50% DSR)
Upfront cash ≈ HK$26.90M (deposit + AVD stamp duty HK$2,107,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,671
−HK$8,508/mo
▼ 0.25% · 3.875%
HK$139,891
−HK$4,288/mo
Today · 4.125%
HK$144,179
baseline
▲ 0.50% · 4.625%
HK$152,952
+HK$8,773/mo
Deposit HK$19.83M · loan HK$29.75M · min. income ≈ HK$288,358/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$2,107,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,933
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$154,981
−HK$4,106/mo
Today · 4.125%
HK$159,087
baseline
▲ 0.50% · 4.625%
HK$167,473
+HK$8,386/mo
Deposit HK$19.83M · loan HK$29.75M · min. income ≈ HK$318,174/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$2,107,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,283
−HK$9,926/mo
▼ 0.25% · 3.875%
HK$163,207
−HK$5,002/mo
Today · 4.125%
HK$168,209
baseline
▲ 0.50% · 4.625%
HK$178,444
+HK$10,235/mo
Deposit HK$14.87M · loan HK$34.71M · min. income ≈ HK$336,418/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$2,107,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,088
−HK$9,514/mo
▼ 0.25% · 3.875%
HK$180,811
−HK$4,791/mo
Today · 4.125%
HK$185,602
baseline
▲ 0.50% · 4.625%
HK$195,385
+HK$9,783/mo
Deposit HK$14.87M · loan HK$34.71M · min. income ≈ HK$371,204/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$2,107,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,507
−HK$12,762/mo
▼ 0.25% · 3.875%
HK$209,837
−HK$6,432/mo
Today · 4.125%
HK$216,269
baseline
▲ 0.50% · 4.625%
HK$229,428
+HK$13,159/mo
Deposit HK$4.96M · loan HK$44.62M · min. income ≈ HK$432,538/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,107,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,399
−HK$12,232/mo
▼ 0.25% · 3.875%
HK$232,471
−HK$6,160/mo
Today · 4.125%
HK$238,631
baseline
▲ 0.50% · 4.625%
HK$251,210
+HK$12,579/mo
Deposit HK$4.96M · loan HK$44.62M · min. income ≈ HK$477,262/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,107,231 · Scale 2, in force from 26 Feb 2026)