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$112,440
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$115,937
−HK$3,554/mo
Today · 4.125%
HK$119,491
baseline
▲ 0.50% · 4.625%
HK$126,761
+HK$7,270/mo
Deposit HK$24.66M · loan HK$24.66M · min. income ≈ HK$238,982/mo (50% DSR)
Upfront cash ≈ HK$26.75M (deposit + AVD stamp duty HK$2,095,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,088
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$128,443
−HK$3,403/mo
Today · 4.125%
HK$131,846
baseline
▲ 0.50% · 4.625%
HK$138,796
+HK$6,950/mo
Deposit HK$24.66M · loan HK$24.66M · min. income ≈ HK$263,692/mo (50% DSR)
Upfront cash ≈ HK$26.75M (deposit + AVD stamp duty HK$2,095,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,928
−HK$8,461/mo
▼ 0.25% · 3.875%
HK$139,125
−HK$4,264/mo
Today · 4.125%
HK$143,389
baseline
▲ 0.50% · 4.625%
HK$152,114
+HK$8,725/mo
Deposit HK$19.72M · loan HK$29.59M · min. income ≈ HK$286,778/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$2,095,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,106
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$154,131
−HK$4,084/mo
Today · 4.125%
HK$158,215
baseline
▲ 0.50% · 4.625%
HK$166,555
+HK$8,340/mo
Deposit HK$19.72M · loan HK$29.59M · min. income ≈ HK$316,430/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$2,095,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,415
−HK$9,872/mo
▼ 0.25% · 3.875%
HK$162,312
−HK$4,975/mo
Today · 4.125%
HK$167,287
baseline
▲ 0.50% · 4.625%
HK$177,466
+HK$10,179/mo
Deposit HK$14.79M · loan HK$34.52M · min. income ≈ HK$334,574/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$2,095,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,123
−HK$9,461/mo
▼ 0.25% · 3.875%
HK$179,820
−HK$4,764/mo
Today · 4.125%
HK$184,584
baseline
▲ 0.50% · 4.625%
HK$194,314
+HK$9,730/mo
Deposit HK$14.79M · loan HK$34.52M · min. income ≈ HK$369,168/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$2,095,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,391
−HK$12,692/mo
▼ 0.25% · 3.875%
HK$208,687
−HK$6,396/mo
Today · 4.125%
HK$215,083
baseline
▲ 0.50% · 4.625%
HK$228,170
+HK$13,087/mo
Deposit HK$4.93M · loan HK$44.38M · min. income ≈ HK$430,166/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,095,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,158
−HK$12,165/mo
▼ 0.25% · 3.875%
HK$231,197
−HK$6,126/mo
Today · 4.125%
HK$237,323
baseline
▲ 0.50% · 4.625%
HK$249,833
+HK$12,510/mo
Deposit HK$4.93M · loan HK$44.38M · min. income ≈ HK$474,646/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,095,679 · Scale 2, in force from 26 Feb 2026)