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$112,899
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$116,411
−HK$3,568/mo
Today · 4.125%
HK$119,979
baseline
▲ 0.50% · 4.625%
HK$127,279
+HK$7,300/mo
Deposit HK$24.76M · loan HK$24.76M · min. income ≈ HK$239,958/mo (50% DSR)
Upfront cash ≈ HK$26.86M (deposit + AVD stamp duty HK$2,104,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,599
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$128,967
−HK$3,418/mo
Today · 4.125%
HK$132,385
baseline
▲ 0.50% · 4.625%
HK$139,363
+HK$6,978/mo
Deposit HK$24.76M · loan HK$24.76M · min. income ≈ HK$264,770/mo (50% DSR)
Upfront cash ≈ HK$26.86M (deposit + AVD stamp duty HK$2,104,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,479
−HK$8,495/mo
▼ 0.25% · 3.875%
HK$139,693
−HK$4,281/mo
Today · 4.125%
HK$143,974
baseline
▲ 0.50% · 4.625%
HK$152,735
+HK$8,761/mo
Deposit HK$19.80M · loan HK$29.71M · min. income ≈ HK$287,948/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$2,104,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,719
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$154,761
−HK$4,100/mo
Today · 4.125%
HK$158,861
baseline
▲ 0.50% · 4.625%
HK$167,235
+HK$8,374/mo
Deposit HK$19.80M · loan HK$29.71M · min. income ≈ HK$317,722/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$2,104,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,058
−HK$9,912/mo
▼ 0.25% · 3.875%
HK$162,975
−HK$4,995/mo
Today · 4.125%
HK$167,970
baseline
▲ 0.50% · 4.625%
HK$178,191
+HK$10,221/mo
Deposit HK$14.85M · loan HK$34.66M · min. income ≈ HK$335,940/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$2,104,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,838
−HK$9,500/mo
▼ 0.25% · 3.875%
HK$180,554
−HK$4,784/mo
Today · 4.125%
HK$185,338
baseline
▲ 0.50% · 4.625%
HK$195,108
+HK$9,770/mo
Deposit HK$14.85M · loan HK$34.66M · min. income ≈ HK$370,676/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$2,104,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,218
−HK$12,743/mo
▼ 0.25% · 3.875%
HK$209,539
−HK$6,422/mo
Today · 4.125%
HK$215,961
baseline
▲ 0.50% · 4.625%
HK$229,102
+HK$13,141/mo
Deposit HK$4.95M · loan HK$44.56M · min. income ≈ HK$431,922/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,104,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,078
−HK$12,214/mo
▼ 0.25% · 3.875%
HK$232,141
−HK$6,151/mo
Today · 4.125%
HK$238,292
baseline
▲ 0.50% · 4.625%
HK$250,853
+HK$12,561/mo
Deposit HK$4.95M · loan HK$44.56M · min. income ≈ HK$476,584/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,104,237 · Scale 2, in force from 26 Feb 2026)