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$113,014
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,529
−HK$3,572/mo
Today · 4.125%
HK$120,101
baseline
▲ 0.50% · 4.625%
HK$127,408
+HK$7,307/mo
Deposit HK$24.78M · loan HK$24.78M · min. income ≈ HK$240,202/mo (50% DSR)
Upfront cash ≈ HK$26.89M (deposit + AVD stamp duty HK$2,106,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,727
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,099
−HK$3,420/mo
Today · 4.125%
HK$132,519
baseline
▲ 0.50% · 4.625%
HK$139,505
+HK$6,986/mo
Deposit HK$24.78M · loan HK$24.78M · min. income ≈ HK$265,038/mo (50% DSR)
Upfront cash ≈ HK$26.89M (deposit + AVD stamp duty HK$2,106,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,616
−HK$8,505/mo
▼ 0.25% · 3.875%
HK$139,835
−HK$4,286/mo
Today · 4.125%
HK$144,121
baseline
▲ 0.50% · 4.625%
HK$152,890
+HK$8,769/mo
Deposit HK$19.82M · loan HK$29.74M · min. income ≈ HK$288,242/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,106,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,872
−HK$8,151/mo
▼ 0.25% · 3.875%
HK$154,918
−HK$4,105/mo
Today · 4.125%
HK$159,023
baseline
▲ 0.50% · 4.625%
HK$167,405
+HK$8,382/mo
Deposit HK$19.82M · loan HK$29.74M · min. income ≈ HK$318,046/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,106,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,219
−HK$9,922/mo
▼ 0.25% · 3.875%
HK$163,141
−HK$5,000/mo
Today · 4.125%
HK$168,141
baseline
▲ 0.50% · 4.625%
HK$178,372
+HK$10,231/mo
Deposit HK$14.87M · loan HK$34.69M · min. income ≈ HK$336,282/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$2,106,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,017
−HK$9,510/mo
▼ 0.25% · 3.875%
HK$180,738
−HK$4,789/mo
Today · 4.125%
HK$185,527
baseline
▲ 0.50% · 4.625%
HK$195,306
+HK$9,779/mo
Deposit HK$14.87M · loan HK$34.69M · min. income ≈ HK$371,054/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$2,106,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,425
−HK$12,756/mo
▼ 0.25% · 3.875%
HK$209,752
−HK$6,429/mo
Today · 4.125%
HK$216,181
baseline
▲ 0.50% · 4.625%
HK$229,335
+HK$13,154/mo
Deposit HK$4.96M · loan HK$44.61M · min. income ≈ HK$432,362/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,106,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,308
−HK$12,227/mo
▼ 0.25% · 3.875%
HK$232,377
−HK$6,158/mo
Today · 4.125%
HK$238,535
baseline
▲ 0.50% · 4.625%
HK$251,108
+HK$12,573/mo
Deposit HK$4.96M · loan HK$44.61M · min. income ≈ HK$477,070/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,106,379 · Scale 2, in force from 26 Feb 2026)