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$113,135
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$116,655
−HK$3,575/mo
Today · 4.125%
HK$120,230
baseline
▲ 0.50% · 4.625%
HK$127,546
+HK$7,316/mo
Deposit HK$24.81M · loan HK$24.81M · min. income ≈ HK$240,460/mo (50% DSR)
Upfront cash ≈ HK$26.92M (deposit + AVD stamp duty HK$2,108,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,862
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$129,238
−HK$3,424/mo
Today · 4.125%
HK$132,662
baseline
▲ 0.50% · 4.625%
HK$139,655
+HK$6,993/mo
Deposit HK$24.81M · loan HK$24.81M · min. income ≈ HK$265,324/mo (50% DSR)
Upfront cash ≈ HK$26.92M (deposit + AVD stamp duty HK$2,108,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,763
−HK$8,513/mo
▼ 0.25% · 3.875%
HK$139,986
−HK$4,290/mo
Today · 4.125%
HK$144,276
baseline
▲ 0.50% · 4.625%
HK$153,055
+HK$8,779/mo
Deposit HK$19.85M · loan HK$29.77M · min. income ≈ HK$288,552/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$2,108,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,034
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$155,085
−HK$4,109/mo
Today · 4.125%
HK$159,194
baseline
▲ 0.50% · 4.625%
HK$167,586
+HK$8,392/mo
Deposit HK$19.85M · loan HK$29.77M · min. income ≈ HK$318,388/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$2,108,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,390
−HK$9,932/mo
▼ 0.25% · 3.875%
HK$163,316
−HK$5,006/mo
Today · 4.125%
HK$168,322
baseline
▲ 0.50% · 4.625%
HK$178,564
+HK$10,242/mo
Deposit HK$14.88M · loan HK$34.73M · min. income ≈ HK$336,644/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$2,108,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,207
−HK$9,520/mo
▼ 0.25% · 3.875%
HK$180,933
−HK$4,794/mo
Today · 4.125%
HK$185,727
baseline
▲ 0.50% · 4.625%
HK$195,517
+HK$9,790/mo
Deposit HK$14.88M · loan HK$34.73M · min. income ≈ HK$371,454/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$2,108,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,644
−HK$12,770/mo
▼ 0.25% · 3.875%
HK$209,978
−HK$6,436/mo
Today · 4.125%
HK$216,414
baseline
▲ 0.50% · 4.625%
HK$229,582
+HK$13,168/mo
Deposit HK$4.96M · loan HK$44.65M · min. income ≈ HK$432,828/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,108,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,552
−HK$12,240/mo
▼ 0.25% · 3.875%
HK$232,628
−HK$6,164/mo
Today · 4.125%
HK$238,792
baseline
▲ 0.50% · 4.625%
HK$251,379
+HK$12,587/mo
Deposit HK$4.96M · loan HK$44.65M · min. income ≈ HK$477,584/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,108,647 · Scale 2, in force from 26 Feb 2026)