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$113,116
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$116,635
−HK$3,575/mo
Today · 4.125%
HK$120,210
baseline
▲ 0.50% · 4.625%
HK$127,524
+HK$7,314/mo
Deposit HK$24.80M · loan HK$24.80M · min. income ≈ HK$240,420/mo (50% DSR)
Upfront cash ≈ HK$26.91M (deposit + AVD stamp duty HK$2,108,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,841
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$129,216
−HK$3,423/mo
Today · 4.125%
HK$132,639
baseline
▲ 0.50% · 4.625%
HK$139,631
+HK$6,992/mo
Deposit HK$24.80M · loan HK$24.80M · min. income ≈ HK$265,278/mo (50% DSR)
Upfront cash ≈ HK$26.91M (deposit + AVD stamp duty HK$2,108,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,739
−HK$8,513/mo
▼ 0.25% · 3.875%
HK$139,962
−HK$4,290/mo
Today · 4.125%
HK$144,252
baseline
▲ 0.50% · 4.625%
HK$153,029
+HK$8,777/mo
Deposit HK$19.84M · loan HK$29.76M · min. income ≈ HK$288,504/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$2,108,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,009
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$155,059
−HK$4,108/mo
Today · 4.125%
HK$159,167
baseline
▲ 0.50% · 4.625%
HK$167,557
+HK$8,390/mo
Deposit HK$19.84M · loan HK$29.76M · min. income ≈ HK$318,334/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$2,108,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,363
−HK$9,930/mo
▼ 0.25% · 3.875%
HK$163,289
−HK$5,004/mo
Today · 4.125%
HK$168,293
baseline
▲ 0.50% · 4.625%
HK$178,534
+HK$10,241/mo
Deposit HK$14.88M · loan HK$34.72M · min. income ≈ HK$336,586/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$2,108,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,177
−HK$9,518/mo
▼ 0.25% · 3.875%
HK$180,902
−HK$4,793/mo
Today · 4.125%
HK$185,695
baseline
▲ 0.50% · 4.625%
HK$195,483
+HK$9,788/mo
Deposit HK$14.88M · loan HK$34.72M · min. income ≈ HK$371,390/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$2,108,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,609
−HK$12,768/mo
▼ 0.25% · 3.875%
HK$209,943
−HK$6,434/mo
Today · 4.125%
HK$216,377
baseline
▲ 0.50% · 4.625%
HK$229,543
+HK$13,166/mo
Deposit HK$4.96M · loan HK$44.65M · min. income ≈ HK$432,754/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,108,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,513
−HK$12,238/mo
▼ 0.25% · 3.875%
HK$232,588
−HK$6,163/mo
Today · 4.125%
HK$238,751
baseline
▲ 0.50% · 4.625%
HK$251,336
+HK$12,585/mo
Deposit HK$4.96M · loan HK$44.65M · min. income ≈ HK$477,502/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,108,289 · Scale 2, in force from 26 Feb 2026)