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$113,112
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,630
−HK$3,575/mo
Today · 4.125%
HK$120,205
baseline
▲ 0.50% · 4.625%
HK$127,519
+HK$7,314/mo
Deposit HK$24.80M · loan HK$24.80M · min. income ≈ HK$240,410/mo (50% DSR)
Upfront cash ≈ HK$26.91M (deposit + AVD stamp duty HK$2,108,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,836
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$129,210
−HK$3,424/mo
Today · 4.125%
HK$132,634
baseline
▲ 0.50% · 4.625%
HK$139,625
+HK$6,991/mo
Deposit HK$24.80M · loan HK$24.80M · min. income ≈ HK$265,268/mo (50% DSR)
Upfront cash ≈ HK$26.91M (deposit + AVD stamp duty HK$2,108,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,734
−HK$8,512/mo
▼ 0.25% · 3.875%
HK$139,956
−HK$4,290/mo
Today · 4.125%
HK$144,246
baseline
▲ 0.50% · 4.625%
HK$153,023
+HK$8,777/mo
Deposit HK$19.84M · loan HK$29.76M · min. income ≈ HK$288,492/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$2,108,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,003
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$155,052
−HK$4,109/mo
Today · 4.125%
HK$159,161
baseline
▲ 0.50% · 4.625%
HK$167,550
+HK$8,389/mo
Deposit HK$19.84M · loan HK$29.76M · min. income ≈ HK$318,322/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$2,108,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,356
−HK$9,931/mo
▼ 0.25% · 3.875%
HK$163,282
−HK$5,005/mo
Today · 4.125%
HK$168,287
baseline
▲ 0.50% · 4.625%
HK$178,526
+HK$10,239/mo
Deposit HK$14.88M · loan HK$34.72M · min. income ≈ HK$336,574/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$2,108,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,170
−HK$9,518/mo
▼ 0.25% · 3.875%
HK$180,895
−HK$4,793/mo
Today · 4.125%
HK$185,688
baseline
▲ 0.50% · 4.625%
HK$195,476
+HK$9,788/mo
Deposit HK$14.88M · loan HK$34.72M · min. income ≈ HK$371,376/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$2,108,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,601
−HK$12,768/mo
▼ 0.25% · 3.875%
HK$209,934
−HK$6,435/mo
Today · 4.125%
HK$216,369
baseline
▲ 0.50% · 4.625%
HK$229,534
+HK$13,165/mo
Deposit HK$4.96M · loan HK$44.64M · min. income ≈ HK$432,738/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,108,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,504
−HK$12,237/mo
▼ 0.25% · 3.875%
HK$232,579
−HK$6,162/mo
Today · 4.125%
HK$238,741
baseline
▲ 0.50% · 4.625%
HK$251,326
+HK$12,585/mo
Deposit HK$4.96M · loan HK$44.64M · min. income ≈ HK$477,482/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,108,204 · Scale 2, in force from 26 Feb 2026)