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$112,705
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$116,211
−HK$3,562/mo
Today · 4.125%
HK$119,773
baseline
▲ 0.50% · 4.625%
HK$127,060
+HK$7,287/mo
Deposit HK$24.71M · loan HK$24.71M · min. income ≈ HK$239,546/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,100,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,383
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,746
−HK$3,411/mo
Today · 4.125%
HK$132,157
baseline
▲ 0.50% · 4.625%
HK$139,123
+HK$6,966/mo
Deposit HK$24.71M · loan HK$24.71M · min. income ≈ HK$264,314/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,100,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,246
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,453
−HK$4,274/mo
Today · 4.125%
HK$143,727
baseline
▲ 0.50% · 4.625%
HK$152,473
+HK$8,746/mo
Deposit HK$19.77M · loan HK$29.66M · min. income ≈ HK$287,454/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$2,100,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,460
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$154,495
−HK$4,094/mo
Today · 4.125%
HK$158,589
baseline
▲ 0.50% · 4.625%
HK$166,948
+HK$8,359/mo
Deposit HK$19.77M · loan HK$29.66M · min. income ≈ HK$317,178/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$2,100,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,787
−HK$9,895/mo
▼ 0.25% · 3.875%
HK$162,695
−HK$4,987/mo
Today · 4.125%
HK$167,682
baseline
▲ 0.50% · 4.625%
HK$177,885
+HK$10,203/mo
Deposit HK$14.83M · loan HK$34.60M · min. income ≈ HK$335,364/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$2,100,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,536
−HK$9,484/mo
▼ 0.25% · 3.875%
HK$180,244
−HK$4,776/mo
Today · 4.125%
HK$185,020
baseline
▲ 0.50% · 4.625%
HK$194,773
+HK$9,753/mo
Deposit HK$14.83M · loan HK$34.60M · min. income ≈ HK$370,040/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$2,100,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,869
−HK$12,722/mo
▼ 0.25% · 3.875%
HK$209,179
−HK$6,412/mo
Today · 4.125%
HK$215,591
baseline
▲ 0.50% · 4.625%
HK$228,709
+HK$13,118/mo
Deposit HK$4.94M · loan HK$44.48M · min. income ≈ HK$431,182/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,100,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,690
−HK$12,193/mo
▼ 0.25% · 3.875%
HK$231,743
−HK$6,140/mo
Today · 4.125%
HK$237,883
baseline
▲ 0.50% · 4.625%
HK$250,422
+HK$12,539/mo
Deposit HK$4.94M · loan HK$44.48M · min. income ≈ HK$475,766/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,100,624 · Scale 2, in force from 26 Feb 2026)