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$112,691
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,196
−HK$3,562/mo
Today · 4.125%
HK$119,758
baseline
▲ 0.50% · 4.625%
HK$127,045
+HK$7,287/mo
Deposit HK$24.71M · loan HK$24.71M · min. income ≈ HK$239,516/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,100,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,367
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,730
−HK$3,411/mo
Today · 4.125%
HK$132,141
baseline
▲ 0.50% · 4.625%
HK$139,106
+HK$6,965/mo
Deposit HK$24.71M · loan HK$24.71M · min. income ≈ HK$264,282/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,100,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,229
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$139,435
−HK$4,274/mo
Today · 4.125%
HK$143,709
baseline
▲ 0.50% · 4.625%
HK$152,453
+HK$8,744/mo
Deposit HK$19.77M · loan HK$29.65M · min. income ≈ HK$287,418/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$2,100,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,441
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$154,476
−HK$4,093/mo
Today · 4.125%
HK$158,569
baseline
▲ 0.50% · 4.625%
HK$166,927
+HK$8,358/mo
Deposit HK$19.77M · loan HK$29.65M · min. income ≈ HK$317,138/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$2,100,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,767
−HK$9,894/mo
▼ 0.25% · 3.875%
HK$162,675
−HK$4,986/mo
Today · 4.125%
HK$167,661
baseline
▲ 0.50% · 4.625%
HK$177,862
+HK$10,201/mo
Deposit HK$14.83M · loan HK$34.59M · min. income ≈ HK$335,322/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$2,100,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,514
−HK$9,483/mo
▼ 0.25% · 3.875%
HK$180,222
−HK$4,775/mo
Today · 4.125%
HK$184,997
baseline
▲ 0.50% · 4.625%
HK$194,748
+HK$9,751/mo
Deposit HK$14.83M · loan HK$34.59M · min. income ≈ HK$369,994/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$2,100,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,844
−HK$12,720/mo
▼ 0.25% · 3.875%
HK$209,153
−HK$6,411/mo
Today · 4.125%
HK$215,564
baseline
▲ 0.50% · 4.625%
HK$228,680
+HK$13,116/mo
Deposit HK$4.94M · loan HK$44.48M · min. income ≈ HK$431,128/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,100,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,661
−HK$12,192/mo
▼ 0.25% · 3.875%
HK$231,714
−HK$6,139/mo
Today · 4.125%
HK$237,853
baseline
▲ 0.50% · 4.625%
HK$250,391
+HK$12,538/mo
Deposit HK$4.94M · loan HK$44.48M · min. income ≈ HK$475,706/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,100,362 · Scale 2, in force from 26 Feb 2026)