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$112,413
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$115,910
−HK$3,553/mo
Today · 4.125%
HK$119,463
baseline
▲ 0.50% · 4.625%
HK$126,732
+HK$7,269/mo
Deposit HK$24.65M · loan HK$24.65M · min. income ≈ HK$238,926/mo (50% DSR)
Upfront cash ≈ HK$26.74M (deposit + AVD stamp duty HK$2,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,059
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$128,413
−HK$3,402/mo
Today · 4.125%
HK$131,815
baseline
▲ 0.50% · 4.625%
HK$138,763
+HK$6,948/mo
Deposit HK$24.65M · loan HK$24.65M · min. income ≈ HK$263,630/mo (50% DSR)
Upfront cash ≈ HK$26.74M (deposit + AVD stamp duty HK$2,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,896
−HK$8,459/mo
▼ 0.25% · 3.875%
HK$139,092
−HK$4,263/mo
Today · 4.125%
HK$143,355
baseline
▲ 0.50% · 4.625%
HK$152,078
+HK$8,723/mo
Deposit HK$19.72M · loan HK$29.58M · min. income ≈ HK$286,710/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,070
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$154,095
−HK$4,083/mo
Today · 4.125%
HK$158,178
baseline
▲ 0.50% · 4.625%
HK$166,516
+HK$8,338/mo
Deposit HK$19.72M · loan HK$29.58M · min. income ≈ HK$316,356/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,379
−HK$9,869/mo
▼ 0.25% · 3.875%
HK$162,274
−HK$4,974/mo
Today · 4.125%
HK$167,248
baseline
▲ 0.50% · 4.625%
HK$177,424
+HK$10,176/mo
Deposit HK$14.79M · loan HK$34.51M · min. income ≈ HK$334,496/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$2,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,082
−HK$9,459/mo
▼ 0.25% · 3.875%
HK$179,778
−HK$4,763/mo
Today · 4.125%
HK$184,541
baseline
▲ 0.50% · 4.625%
HK$194,269
+HK$9,728/mo
Deposit HK$14.79M · loan HK$34.51M · min. income ≈ HK$369,082/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$2,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,344
−HK$12,689/mo
▼ 0.25% · 3.875%
HK$208,638
−HK$6,395/mo
Today · 4.125%
HK$215,033
baseline
▲ 0.50% · 4.625%
HK$228,117
+HK$13,084/mo
Deposit HK$4.93M · loan HK$44.37M · min. income ≈ HK$430,066/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,095,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,106
−HK$12,161/mo
▼ 0.25% · 3.875%
HK$231,143
−HK$6,124/mo
Today · 4.125%
HK$237,267
baseline
▲ 0.50% · 4.625%
HK$249,774
+HK$12,507/mo
Deposit HK$4.93M · loan HK$44.37M · min. income ≈ HK$474,534/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,095,189 · Scale 2, in force from 26 Feb 2026)