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$113,272
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,796
−HK$3,579/mo
Today · 4.125%
HK$120,375
baseline
▲ 0.50% · 4.625%
HK$127,700
+HK$7,325/mo
Deposit HK$24.84M · loan HK$24.84M · min. income ≈ HK$240,750/mo (50% DSR)
Upfront cash ≈ HK$26.95M (deposit + AVD stamp duty HK$2,111,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,014
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,394
−HK$3,428/mo
Today · 4.125%
HK$132,822
baseline
▲ 0.50% · 4.625%
HK$139,824
+HK$7,002/mo
Deposit HK$24.84M · loan HK$24.84M · min. income ≈ HK$265,644/mo (50% DSR)
Upfront cash ≈ HK$26.95M (deposit + AVD stamp duty HK$2,111,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,927
−HK$8,523/mo
▼ 0.25% · 3.875%
HK$140,155
−HK$4,295/mo
Today · 4.125%
HK$144,450
baseline
▲ 0.50% · 4.625%
HK$153,240
+HK$8,790/mo
Deposit HK$19.87M · loan HK$29.81M · min. income ≈ HK$288,900/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$2,111,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,217
−HK$8,170/mo
▼ 0.25% · 3.875%
HK$155,273
−HK$4,114/mo
Today · 4.125%
HK$159,387
baseline
▲ 0.50% · 4.625%
HK$167,788
+HK$8,401/mo
Deposit HK$19.87M · loan HK$29.81M · min. income ≈ HK$318,774/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$2,111,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,581
−HK$9,945/mo
▼ 0.25% · 3.875%
HK$163,514
−HK$5,012/mo
Today · 4.125%
HK$168,526
baseline
▲ 0.50% · 4.625%
HK$178,780
+HK$10,254/mo
Deposit HK$14.90M · loan HK$34.77M · min. income ≈ HK$337,052/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$2,111,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,420
−HK$9,531/mo
▼ 0.25% · 3.875%
HK$181,151
−HK$4,800/mo
Today · 4.125%
HK$185,951
baseline
▲ 0.50% · 4.625%
HK$195,753
+HK$9,802/mo
Deposit HK$14.90M · loan HK$34.77M · min. income ≈ HK$371,902/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$2,111,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,890
−HK$12,786/mo
▼ 0.25% · 3.875%
HK$210,232
−HK$6,444/mo
Today · 4.125%
HK$216,676
baseline
▲ 0.50% · 4.625%
HK$229,860
+HK$13,184/mo
Deposit HK$4.97M · loan HK$44.71M · min. income ≈ HK$433,352/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$2,111,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,826
−HK$12,254/mo
▼ 0.25% · 3.875%
HK$232,909
−HK$6,171/mo
Today · 4.125%
HK$239,080
baseline
▲ 0.50% · 4.625%
HK$251,683
+HK$12,603/mo
Deposit HK$4.97M · loan HK$44.71M · min. income ≈ HK$478,160/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$2,111,197 · Scale 2, in force from 26 Feb 2026)