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$112,930
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$116,443
−HK$3,569/mo
Today · 4.125%
HK$120,012
baseline
▲ 0.50% · 4.625%
HK$127,315
+HK$7,303/mo
Deposit HK$24.76M · loan HK$24.76M · min. income ≈ HK$240,024/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$2,104,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,634
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$129,003
−HK$3,418/mo
Today · 4.125%
HK$132,421
baseline
▲ 0.50% · 4.625%
HK$139,402
+HK$6,981/mo
Deposit HK$24.76M · loan HK$24.76M · min. income ≈ HK$264,842/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$2,104,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,516
−HK$8,498/mo
▼ 0.25% · 3.875%
HK$139,732
−HK$4,282/mo
Today · 4.125%
HK$144,014
baseline
▲ 0.50% · 4.625%
HK$152,777
+HK$8,763/mo
Deposit HK$19.81M · loan HK$29.72M · min. income ≈ HK$288,028/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$2,104,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,761
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$154,804
−HK$4,102/mo
Today · 4.125%
HK$158,906
baseline
▲ 0.50% · 4.625%
HK$167,282
+HK$8,376/mo
Deposit HK$19.81M · loan HK$29.72M · min. income ≈ HK$317,812/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$2,104,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,102
−HK$9,915/mo
▼ 0.25% · 3.875%
HK$163,020
−HK$4,997/mo
Today · 4.125%
HK$168,017
baseline
▲ 0.50% · 4.625%
HK$178,240
+HK$10,223/mo
Deposit HK$14.86M · loan HK$34.67M · min. income ≈ HK$336,034/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$2,104,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,887
−HK$9,503/mo
▼ 0.25% · 3.875%
HK$180,605
−HK$4,785/mo
Today · 4.125%
HK$185,390
baseline
▲ 0.50% · 4.625%
HK$195,162
+HK$9,772/mo
Deposit HK$14.86M · loan HK$34.67M · min. income ≈ HK$370,780/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$2,104,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,275
−HK$12,747/mo
▼ 0.25% · 3.875%
HK$209,598
−HK$6,424/mo
Today · 4.125%
HK$216,022
baseline
▲ 0.50% · 4.625%
HK$229,166
+HK$13,144/mo
Deposit HK$4.95M · loan HK$44.57M · min. income ≈ HK$432,044/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,104,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,141
−HK$12,218/mo
▼ 0.25% · 3.875%
HK$232,206
−HK$6,153/mo
Today · 4.125%
HK$238,359
baseline
▲ 0.50% · 4.625%
HK$250,923
+HK$12,564/mo
Deposit HK$4.95M · loan HK$44.57M · min. income ≈ HK$476,718/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,104,825 · Scale 2, in force from 26 Feb 2026)