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$112,975
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$116,489
−HK$3,570/mo
Today · 4.125%
HK$120,059
baseline
▲ 0.50% · 4.625%
HK$127,365
+HK$7,306/mo
Deposit HK$24.77M · loan HK$24.77M · min. income ≈ HK$240,118/mo (50% DSR)
Upfront cash ≈ HK$26.88M (deposit + AVD stamp duty HK$2,105,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,683
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$129,054
−HK$3,420/mo
Today · 4.125%
HK$132,474
baseline
▲ 0.50% · 4.625%
HK$139,457
+HK$6,983/mo
Deposit HK$24.77M · loan HK$24.77M · min. income ≈ HK$264,948/mo (50% DSR)
Upfront cash ≈ HK$26.88M (deposit + AVD stamp duty HK$2,105,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,570
−HK$8,501/mo
▼ 0.25% · 3.875%
HK$139,787
−HK$4,284/mo
Today · 4.125%
HK$144,071
baseline
▲ 0.50% · 4.625%
HK$152,838
+HK$8,767/mo
Deposit HK$19.82M · loan HK$29.73M · min. income ≈ HK$288,142/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,105,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,820
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$154,865
−HK$4,103/mo
Today · 4.125%
HK$158,968
baseline
▲ 0.50% · 4.625%
HK$167,348
+HK$8,380/mo
Deposit HK$19.82M · loan HK$29.73M · min. income ≈ HK$317,936/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,105,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,165
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$163,085
−HK$4,998/mo
Today · 4.125%
HK$168,083
baseline
▲ 0.50% · 4.625%
HK$178,311
+HK$10,228/mo
Deposit HK$14.86M · loan HK$34.68M · min. income ≈ HK$336,166/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$2,105,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,957
−HK$9,506/mo
▼ 0.25% · 3.875%
HK$180,676
−HK$4,787/mo
Today · 4.125%
HK$185,463
baseline
▲ 0.50% · 4.625%
HK$195,239
+HK$9,776/mo
Deposit HK$14.86M · loan HK$34.68M · min. income ≈ HK$370,926/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$2,105,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,355
−HK$12,752/mo
▼ 0.25% · 3.875%
HK$209,680
−HK$6,427/mo
Today · 4.125%
HK$216,107
baseline
▲ 0.50% · 4.625%
HK$229,256
+HK$13,149/mo
Deposit HK$4.95M · loan HK$44.59M · min. income ≈ HK$432,214/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,105,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,230
−HK$12,223/mo
▼ 0.25% · 3.875%
HK$232,297
−HK$6,156/mo
Today · 4.125%
HK$238,453
baseline
▲ 0.50% · 4.625%
HK$251,022
+HK$12,569/mo
Deposit HK$4.95M · loan HK$44.59M · min. income ≈ HK$476,906/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,105,654 · Scale 2, in force from 26 Feb 2026)