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$112,625
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$116,129
−HK$3,559/mo
Today · 4.125%
HK$119,688
baseline
▲ 0.50% · 4.625%
HK$126,971
+HK$7,283/mo
Deposit HK$24.70M · loan HK$24.70M · min. income ≈ HK$239,376/mo (50% DSR)
Upfront cash ≈ HK$26.79M (deposit + AVD stamp duty HK$2,099,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,295
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,655
−HK$3,409/mo
Today · 4.125%
HK$132,064
baseline
▲ 0.50% · 4.625%
HK$139,025
+HK$6,961/mo
Deposit HK$24.70M · loan HK$24.70M · min. income ≈ HK$264,128/mo (50% DSR)
Upfront cash ≈ HK$26.79M (deposit + AVD stamp duty HK$2,099,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,150
−HK$8,476/mo
▼ 0.25% · 3.875%
HK$139,354
−HK$4,272/mo
Today · 4.125%
HK$143,626
baseline
▲ 0.50% · 4.625%
HK$152,365
+HK$8,739/mo
Deposit HK$19.76M · loan HK$29.63M · min. income ≈ HK$287,252/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$2,099,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,353
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$154,386
−HK$4,091/mo
Today · 4.125%
HK$158,477
baseline
▲ 0.50% · 4.625%
HK$166,830
+HK$8,353/mo
Deposit HK$19.76M · loan HK$29.63M · min. income ≈ HK$316,954/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$2,099,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,675
−HK$9,888/mo
▼ 0.25% · 3.875%
HK$162,580
−HK$4,983/mo
Today · 4.125%
HK$167,563
baseline
▲ 0.50% · 4.625%
HK$177,759
+HK$10,196/mo
Deposit HK$14.82M · loan HK$34.57M · min. income ≈ HK$335,126/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$2,099,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,412
−HK$9,477/mo
▼ 0.25% · 3.875%
HK$180,117
−HK$4,772/mo
Today · 4.125%
HK$184,889
baseline
▲ 0.50% · 4.625%
HK$194,635
+HK$9,746/mo
Deposit HK$14.82M · loan HK$34.57M · min. income ≈ HK$369,778/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$2,099,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,726
−HK$12,712/mo
▼ 0.25% · 3.875%
HK$209,031
−HK$6,407/mo
Today · 4.125%
HK$215,438
baseline
▲ 0.50% · 4.625%
HK$228,547
+HK$13,109/mo
Deposit HK$4.94M · loan HK$44.45M · min. income ≈ HK$430,876/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,099,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,530
−HK$12,185/mo
▼ 0.25% · 3.875%
HK$231,579
−HK$6,136/mo
Today · 4.125%
HK$237,715
baseline
▲ 0.50% · 4.625%
HK$250,245
+HK$12,530/mo
Deposit HK$4.94M · loan HK$44.45M · min. income ≈ HK$475,430/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,099,140 · Scale 2, in force from 26 Feb 2026)