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$113,338
−HK$7,107/mo
▼ 0.25% · 3.875%
HK$116,863
−HK$3,582/mo
Today · 4.125%
HK$120,445
baseline
▲ 0.50% · 4.625%
HK$127,774
+HK$7,329/mo
Deposit HK$24.85M · loan HK$24.85M · min. income ≈ HK$240,890/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$2,112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,087
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$129,469
−HK$3,430/mo
Today · 4.125%
HK$132,899
baseline
▲ 0.50% · 4.625%
HK$139,905
+HK$7,006/mo
Deposit HK$24.85M · loan HK$24.85M · min. income ≈ HK$265,798/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$2,112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,006
−HK$8,528/mo
▼ 0.25% · 3.875%
HK$140,236
−HK$4,298/mo
Today · 4.125%
HK$144,534
baseline
▲ 0.50% · 4.625%
HK$153,329
+HK$8,795/mo
Deposit HK$19.88M · loan HK$29.82M · min. income ≈ HK$289,068/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$2,112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,305
−HK$8,174/mo
▼ 0.25% · 3.875%
HK$155,363
−HK$4,116/mo
Today · 4.125%
HK$159,479
baseline
▲ 0.50% · 4.625%
HK$167,886
+HK$8,407/mo
Deposit HK$19.88M · loan HK$29.82M · min. income ≈ HK$318,958/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$2,112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,673
−HK$9,950/mo
▼ 0.25% · 3.875%
HK$163,609
−HK$5,014/mo
Today · 4.125%
HK$168,623
baseline
▲ 0.50% · 4.625%
HK$178,884
+HK$10,261/mo
Deposit HK$14.91M · loan HK$34.79M · min. income ≈ HK$337,246/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$2,112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,522
−HK$9,537/mo
▼ 0.25% · 3.875%
HK$181,257
−HK$4,802/mo
Today · 4.125%
HK$186,059
baseline
▲ 0.50% · 4.625%
HK$195,867
+HK$9,808/mo
Deposit HK$14.91M · loan HK$34.79M · min. income ≈ HK$372,118/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$2,112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,008
−HK$12,794/mo
▼ 0.25% · 3.875%
HK$210,354
−HK$6,448/mo
Today · 4.125%
HK$216,802
baseline
▲ 0.50% · 4.625%
HK$229,993
+HK$13,191/mo
Deposit HK$4.97M · loan HK$44.73M · min. income ≈ HK$433,604/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$2,112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,957
−HK$12,262/mo
▼ 0.25% · 3.875%
HK$233,044
−HK$6,175/mo
Today · 4.125%
HK$239,219
baseline
▲ 0.50% · 4.625%
HK$251,829
+HK$12,610/mo
Deposit HK$4.97M · loan HK$44.73M · min. income ≈ HK$478,438/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$2,112,423 · Scale 2, in force from 26 Feb 2026)