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$112,518
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,018
−HK$3,556/mo
Today · 4.125%
HK$119,574
baseline
▲ 0.50% · 4.625%
HK$126,850
+HK$7,276/mo
Deposit HK$24.67M · loan HK$24.67M · min. income ≈ HK$239,148/mo (50% DSR)
Upfront cash ≈ HK$26.77M (deposit + AVD stamp duty HK$2,097,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,176
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,533
−HK$3,406/mo
Today · 4.125%
HK$131,939
baseline
▲ 0.50% · 4.625%
HK$138,893
+HK$6,954/mo
Deposit HK$24.67M · loan HK$24.67M · min. income ≈ HK$263,878/mo (50% DSR)
Upfront cash ≈ HK$26.77M (deposit + AVD stamp duty HK$2,097,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,022
−HK$8,467/mo
▼ 0.25% · 3.875%
HK$139,222
−HK$4,267/mo
Today · 4.125%
HK$143,489
baseline
▲ 0.50% · 4.625%
HK$152,220
+HK$8,731/mo
Deposit HK$19.74M · loan HK$29.61M · min. income ≈ HK$286,978/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,097,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,211
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$154,239
−HK$4,087/mo
Today · 4.125%
HK$158,326
baseline
▲ 0.50% · 4.625%
HK$166,672
+HK$8,346/mo
Deposit HK$19.74M · loan HK$29.61M · min. income ≈ HK$316,652/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,097,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,526
−HK$9,878/mo
▼ 0.25% · 3.875%
HK$162,426
−HK$4,978/mo
Today · 4.125%
HK$167,404
baseline
▲ 0.50% · 4.625%
HK$177,590
+HK$10,186/mo
Deposit HK$14.80M · loan HK$34.54M · min. income ≈ HK$334,808/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$2,097,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,246
−HK$9,468/mo
▼ 0.25% · 3.875%
HK$179,946
−HK$4,768/mo
Today · 4.125%
HK$184,714
baseline
▲ 0.50% · 4.625%
HK$194,450
+HK$9,736/mo
Deposit HK$14.80M · loan HK$34.54M · min. income ≈ HK$369,428/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$2,097,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,533
−HK$12,701/mo
▼ 0.25% · 3.875%
HK$208,833
−HK$6,401/mo
Today · 4.125%
HK$215,234
baseline
▲ 0.50% · 4.625%
HK$228,330
+HK$13,096/mo
Deposit HK$4.93M · loan HK$44.41M · min. income ≈ HK$430,468/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,097,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,316
−HK$12,173/mo
▼ 0.25% · 3.875%
HK$231,359
−HK$6,130/mo
Today · 4.125%
HK$237,489
baseline
▲ 0.50% · 4.625%
HK$250,008
+HK$12,519/mo
Deposit HK$4.93M · loan HK$44.41M · min. income ≈ HK$474,978/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,097,148 · Scale 2, in force from 26 Feb 2026)