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$112,566
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,067
−HK$3,558/mo
Today · 4.125%
HK$119,625
baseline
▲ 0.50% · 4.625%
HK$126,903
+HK$7,278/mo
Deposit HK$24.68M · loan HK$24.68M · min. income ≈ HK$239,250/mo (50% DSR)
Upfront cash ≈ HK$26.78M (deposit + AVD stamp duty HK$2,098,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,228
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,587
−HK$3,407/mo
Today · 4.125%
HK$131,994
baseline
▲ 0.50% · 4.625%
HK$138,952
+HK$6,958/mo
Deposit HK$24.68M · loan HK$24.68M · min. income ≈ HK$263,988/mo (50% DSR)
Upfront cash ≈ HK$26.78M (deposit + AVD stamp duty HK$2,098,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,079
−HK$8,471/mo
▼ 0.25% · 3.875%
HK$139,281
−HK$4,269/mo
Today · 4.125%
HK$143,550
baseline
▲ 0.50% · 4.625%
HK$152,284
+HK$8,734/mo
Deposit HK$19.75M · loan HK$29.62M · min. income ≈ HK$287,100/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,098,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,274
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$154,304
−HK$4,089/mo
Today · 4.125%
HK$158,393
baseline
▲ 0.50% · 4.625%
HK$166,742
+HK$8,349/mo
Deposit HK$19.75M · loan HK$29.62M · min. income ≈ HK$316,786/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,098,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,592
−HK$9,882/mo
▼ 0.25% · 3.875%
HK$162,494
−HK$4,980/mo
Today · 4.125%
HK$167,474
baseline
▲ 0.50% · 4.625%
HK$177,665
+HK$10,191/mo
Deposit HK$14.81M · loan HK$34.56M · min. income ≈ HK$334,948/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$2,098,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,320
−HK$9,472/mo
▼ 0.25% · 3.875%
HK$180,022
−HK$4,770/mo
Today · 4.125%
HK$184,792
baseline
▲ 0.50% · 4.625%
HK$194,532
+HK$9,740/mo
Deposit HK$14.81M · loan HK$34.56M · min. income ≈ HK$369,584/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$2,098,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,618
−HK$12,706/mo
▼ 0.25% · 3.875%
HK$208,921
−HK$6,403/mo
Today · 4.125%
HK$215,324
baseline
▲ 0.50% · 4.625%
HK$228,426
+HK$13,102/mo
Deposit HK$4.94M · loan HK$44.43M · min. income ≈ HK$430,648/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,098,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,411
−HK$12,178/mo
▼ 0.25% · 3.875%
HK$231,456
−HK$6,133/mo
Today · 4.125%
HK$237,589
baseline
▲ 0.50% · 4.625%
HK$250,113
+HK$12,524/mo
Deposit HK$4.94M · loan HK$44.43M · min. income ≈ HK$475,178/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,098,029 · Scale 2, in force from 26 Feb 2026)