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$113,397
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$116,924
−HK$3,584/mo
Today · 4.125%
HK$120,508
baseline
▲ 0.50% · 4.625%
HK$127,841
+HK$7,333/mo
Deposit HK$24.86M · loan HK$24.86M · min. income ≈ HK$241,016/mo (50% DSR)
Upfront cash ≈ HK$26.98M (deposit + AVD stamp duty HK$2,113,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,153
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$129,537
−HK$3,432/mo
Today · 4.125%
HK$132,969
baseline
▲ 0.50% · 4.625%
HK$139,978
+HK$7,009/mo
Deposit HK$24.86M · loan HK$24.86M · min. income ≈ HK$265,938/mo (50% DSR)
Upfront cash ≈ HK$26.98M (deposit + AVD stamp duty HK$2,113,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,077
−HK$8,533/mo
▼ 0.25% · 3.875%
HK$140,309
−HK$4,301/mo
Today · 4.125%
HK$144,610
baseline
▲ 0.50% · 4.625%
HK$153,409
+HK$8,799/mo
Deposit HK$19.89M · loan HK$29.84M · min. income ≈ HK$289,220/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$2,113,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,384
−HK$8,179/mo
▼ 0.25% · 3.875%
HK$155,444
−HK$4,119/mo
Today · 4.125%
HK$159,563
baseline
▲ 0.50% · 4.625%
HK$167,973
+HK$8,410/mo
Deposit HK$19.89M · loan HK$29.84M · min. income ≈ HK$319,126/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$2,113,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,756
−HK$9,955/mo
▼ 0.25% · 3.875%
HK$163,694
−HK$5,017/mo
Today · 4.125%
HK$168,711
baseline
▲ 0.50% · 4.625%
HK$178,977
+HK$10,266/mo
Deposit HK$14.92M · loan HK$34.81M · min. income ≈ HK$337,422/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$2,113,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,614
−HK$9,542/mo
▼ 0.25% · 3.875%
HK$181,351
−HK$4,805/mo
Today · 4.125%
HK$186,156
baseline
▲ 0.50% · 4.625%
HK$195,969
+HK$9,813/mo
Deposit HK$14.92M · loan HK$34.81M · min. income ≈ HK$372,312/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$2,113,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,115
−HK$12,800/mo
▼ 0.25% · 3.875%
HK$210,464
−HK$6,451/mo
Today · 4.125%
HK$216,915
baseline
▲ 0.50% · 4.625%
HK$230,113
+HK$13,198/mo
Deposit HK$4.97M · loan HK$44.76M · min. income ≈ HK$433,830/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,113,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,076
−HK$12,268/mo
▼ 0.25% · 3.875%
HK$233,166
−HK$6,178/mo
Today · 4.125%
HK$239,344
baseline
▲ 0.50% · 4.625%
HK$251,960
+HK$12,616/mo
Deposit HK$4.97M · loan HK$44.76M · min. income ≈ HK$478,688/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,113,525 · Scale 2, in force from 26 Feb 2026)