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$112,850
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$116,360
−HK$3,566/mo
Today · 4.125%
HK$119,926
baseline
▲ 0.50% · 4.625%
HK$127,224
+HK$7,298/mo
Deposit HK$24.74M · loan HK$24.74M · min. income ≈ HK$239,852/mo (50% DSR)
Upfront cash ≈ HK$26.85M (deposit + AVD stamp duty HK$2,103,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,544
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$128,911
−HK$3,416/mo
Today · 4.125%
HK$132,327
baseline
▲ 0.50% · 4.625%
HK$139,302
+HK$6,975/mo
Deposit HK$24.74M · loan HK$24.74M · min. income ≈ HK$264,654/mo (50% DSR)
Upfront cash ≈ HK$26.85M (deposit + AVD stamp duty HK$2,103,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,420
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$139,632
−HK$4,280/mo
Today · 4.125%
HK$143,912
baseline
▲ 0.50% · 4.625%
HK$152,668
+HK$8,756/mo
Deposit HK$19.80M · loan HK$29.69M · min. income ≈ HK$287,824/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$2,103,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,653
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$154,693
−HK$4,099/mo
Today · 4.125%
HK$158,792
baseline
▲ 0.50% · 4.625%
HK$167,162
+HK$8,370/mo
Deposit HK$19.80M · loan HK$29.69M · min. income ≈ HK$317,584/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$2,103,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,990
−HK$9,907/mo
▼ 0.25% · 3.875%
HK$162,904
−HK$4,993/mo
Today · 4.125%
HK$167,897
baseline
▲ 0.50% · 4.625%
HK$178,113
+HK$10,216/mo
Deposit HK$14.85M · loan HK$34.64M · min. income ≈ HK$335,794/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$2,103,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,762
−HK$9,496/mo
▼ 0.25% · 3.875%
HK$180,476
−HK$4,782/mo
Today · 4.125%
HK$185,258
baseline
▲ 0.50% · 4.625%
HK$195,023
+HK$9,765/mo
Deposit HK$14.85M · loan HK$34.64M · min. income ≈ HK$370,516/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$2,103,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,129
−HK$12,738/mo
▼ 0.25% · 3.875%
HK$209,448
−HK$6,419/mo
Today · 4.125%
HK$215,867
baseline
▲ 0.50% · 4.625%
HK$229,003
+HK$13,136/mo
Deposit HK$4.95M · loan HK$44.54M · min. income ≈ HK$431,734/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$2,103,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,980
−HK$12,208/mo
▼ 0.25% · 3.875%
HK$232,040
−HK$6,148/mo
Today · 4.125%
HK$238,188
baseline
▲ 0.50% · 4.625%
HK$250,744
+HK$12,556/mo
Deposit HK$4.95M · loan HK$44.54M · min. income ≈ HK$476,376/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$2,103,322 · Scale 2, in force from 26 Feb 2026)