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$112,760
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$116,267
−HK$3,564/mo
Today · 4.125%
HK$119,831
baseline
▲ 0.50% · 4.625%
HK$127,122
+HK$7,291/mo
Deposit HK$24.73M · loan HK$24.73M · min. income ≈ HK$239,662/mo (50% DSR)
Upfront cash ≈ HK$26.83M (deposit + AVD stamp duty HK$2,101,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,444
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$128,809
−HK$3,413/mo
Today · 4.125%
HK$132,222
baseline
▲ 0.50% · 4.625%
HK$139,191
+HK$6,969/mo
Deposit HK$24.73M · loan HK$24.73M · min. income ≈ HK$264,444/mo (50% DSR)
Upfront cash ≈ HK$26.83M (deposit + AVD stamp duty HK$2,101,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,312
−HK$8,485/mo
▼ 0.25% · 3.875%
HK$139,521
−HK$4,276/mo
Today · 4.125%
HK$143,797
baseline
▲ 0.50% · 4.625%
HK$152,547
+HK$8,750/mo
Deposit HK$19.78M · loan HK$29.67M · min. income ≈ HK$287,594/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$2,101,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,533
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$154,570
−HK$4,096/mo
Today · 4.125%
HK$158,666
baseline
▲ 0.50% · 4.625%
HK$167,030
+HK$8,364/mo
Deposit HK$19.78M · loan HK$29.67M · min. income ≈ HK$317,332/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$2,101,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,864
−HK$9,899/mo
▼ 0.25% · 3.875%
HK$162,774
−HK$4,989/mo
Today · 4.125%
HK$167,763
baseline
▲ 0.50% · 4.625%
HK$177,971
+HK$10,208/mo
Deposit HK$14.84M · loan HK$34.62M · min. income ≈ HK$335,526/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$2,101,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,622
−HK$9,488/mo
▼ 0.25% · 3.875%
HK$180,332
−HK$4,778/mo
Today · 4.125%
HK$185,110
baseline
▲ 0.50% · 4.625%
HK$194,868
+HK$9,758/mo
Deposit HK$14.84M · loan HK$34.62M · min. income ≈ HK$370,220/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$2,101,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,968
−HK$12,728/mo
▼ 0.25% · 3.875%
HK$209,281
−HK$6,415/mo
Today · 4.125%
HK$215,696
baseline
▲ 0.50% · 4.625%
HK$228,820
+HK$13,124/mo
Deposit HK$4.95M · loan HK$44.51M · min. income ≈ HK$431,392/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$2,101,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,800
−HK$12,199/mo
▼ 0.25% · 3.875%
HK$231,856
−HK$6,143/mo
Today · 4.125%
HK$237,999
baseline
▲ 0.50% · 4.625%
HK$250,544
+HK$12,545/mo
Deposit HK$4.95M · loan HK$44.51M · min. income ≈ HK$475,998/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$2,101,650 · Scale 2, in force from 26 Feb 2026)