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$112,695
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,201
−HK$3,561/mo
Today · 4.125%
HK$119,762
baseline
▲ 0.50% · 4.625%
HK$127,050
+HK$7,288/mo
Deposit HK$24.71M · loan HK$24.71M · min. income ≈ HK$239,524/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,100,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,373
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$128,735
−HK$3,411/mo
Today · 4.125%
HK$132,146
baseline
▲ 0.50% · 4.625%
HK$139,112
+HK$6,966/mo
Deposit HK$24.71M · loan HK$24.71M · min. income ≈ HK$264,292/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,100,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,235
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$139,441
−HK$4,274/mo
Today · 4.125%
HK$143,715
baseline
▲ 0.50% · 4.625%
HK$152,460
+HK$8,745/mo
Deposit HK$19.77M · loan HK$29.65M · min. income ≈ HK$287,430/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$2,100,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,447
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$154,482
−HK$4,093/mo
Today · 4.125%
HK$158,575
baseline
▲ 0.50% · 4.625%
HK$166,934
+HK$8,359/mo
Deposit HK$19.77M · loan HK$29.65M · min. income ≈ HK$317,150/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$2,100,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,774
−HK$9,893/mo
▼ 0.25% · 3.875%
HK$162,681
−HK$4,986/mo
Today · 4.125%
HK$167,667
baseline
▲ 0.50% · 4.625%
HK$177,870
+HK$10,203/mo
Deposit HK$14.83M · loan HK$34.60M · min. income ≈ HK$335,334/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$2,100,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,522
−HK$9,483/mo
▼ 0.25% · 3.875%
HK$180,229
−HK$4,776/mo
Today · 4.125%
HK$185,005
baseline
▲ 0.50% · 4.625%
HK$194,756
+HK$9,751/mo
Deposit HK$14.83M · loan HK$34.60M · min. income ≈ HK$370,010/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$2,100,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,852
−HK$12,720/mo
▼ 0.25% · 3.875%
HK$209,162
−HK$6,410/mo
Today · 4.125%
HK$215,572
baseline
▲ 0.50% · 4.625%
HK$228,690
+HK$13,118/mo
Deposit HK$4.94M · loan HK$44.48M · min. income ≈ HK$431,144/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,100,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,671
−HK$12,192/mo
▼ 0.25% · 3.875%
HK$231,723
−HK$6,140/mo
Today · 4.125%
HK$237,863
baseline
▲ 0.50% · 4.625%
HK$250,401
+HK$12,538/mo
Deposit HK$4.94M · loan HK$44.48M · min. income ≈ HK$475,726/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,100,448 · Scale 2, in force from 26 Feb 2026)