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$113,150
−HK$7,096/mo
▼ 0.25% · 3.875%
HK$116,670
−HK$3,576/mo
Today · 4.125%
HK$120,246
baseline
▲ 0.50% · 4.625%
HK$127,563
+HK$7,317/mo
Deposit HK$24.81M · loan HK$24.81M · min. income ≈ HK$240,492/mo (50% DSR)
Upfront cash ≈ HK$26.92M (deposit + AVD stamp duty HK$2,108,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,879
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$129,255
−HK$3,425/mo
Today · 4.125%
HK$132,680
baseline
▲ 0.50% · 4.625%
HK$139,673
+HK$6,993/mo
Deposit HK$24.81M · loan HK$24.81M · min. income ≈ HK$265,360/mo (50% DSR)
Upfront cash ≈ HK$26.92M (deposit + AVD stamp duty HK$2,108,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,781
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$140,004
−HK$4,291/mo
Today · 4.125%
HK$144,295
baseline
▲ 0.50% · 4.625%
HK$153,075
+HK$8,780/mo
Deposit HK$19.85M · loan HK$29.77M · min. income ≈ HK$288,590/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,108,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,055
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$155,106
−HK$4,110/mo
Today · 4.125%
HK$159,216
baseline
▲ 0.50% · 4.625%
HK$167,608
+HK$8,392/mo
Deposit HK$19.85M · loan HK$29.77M · min. income ≈ HK$318,432/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,108,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,411
−HK$9,933/mo
▼ 0.25% · 3.875%
HK$163,338
−HK$5,006/mo
Today · 4.125%
HK$168,344
baseline
▲ 0.50% · 4.625%
HK$178,588
+HK$10,244/mo
Deposit HK$14.89M · loan HK$34.74M · min. income ≈ HK$336,688/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,108,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,230
−HK$9,521/mo
▼ 0.25% · 3.875%
HK$180,957
−HK$4,794/mo
Today · 4.125%
HK$185,751
baseline
▲ 0.50% · 4.625%
HK$195,543
+HK$9,792/mo
Deposit HK$14.89M · loan HK$34.74M · min. income ≈ HK$371,502/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,108,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,671
−HK$12,772/mo
▼ 0.25% · 3.875%
HK$210,006
−HK$6,437/mo
Today · 4.125%
HK$216,443
baseline
▲ 0.50% · 4.625%
HK$229,613
+HK$13,170/mo
Deposit HK$4.96M · loan HK$44.66M · min. income ≈ HK$432,886/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,108,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,582
−HK$12,241/mo
▼ 0.25% · 3.875%
HK$232,659
−HK$6,164/mo
Today · 4.125%
HK$238,823
baseline
▲ 0.50% · 4.625%
HK$251,412
+HK$12,589/mo
Deposit HK$4.96M · loan HK$44.66M · min. income ≈ HK$477,646/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,108,928 · Scale 2, in force from 26 Feb 2026)