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$113,375
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,901
−HK$3,583/mo
Today · 4.125%
HK$120,484
baseline
▲ 0.50% · 4.625%
HK$127,815
+HK$7,331/mo
Deposit HK$24.86M · loan HK$24.86M · min. income ≈ HK$240,968/mo (50% DSR)
Upfront cash ≈ HK$26.97M (deposit + AVD stamp duty HK$2,113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,128
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,511
−HK$3,431/mo
Today · 4.125%
HK$132,942
baseline
▲ 0.50% · 4.625%
HK$139,950
+HK$7,008/mo
Deposit HK$24.86M · loan HK$24.86M · min. income ≈ HK$265,884/mo (50% DSR)
Upfront cash ≈ HK$26.97M (deposit + AVD stamp duty HK$2,113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,050
−HK$8,531/mo
▼ 0.25% · 3.875%
HK$140,281
−HK$4,300/mo
Today · 4.125%
HK$144,581
baseline
▲ 0.50% · 4.625%
HK$153,378
+HK$8,797/mo
Deposit HK$19.89M · loan HK$29.83M · min. income ≈ HK$289,162/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$2,113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,354
−HK$8,177/mo
▼ 0.25% · 3.875%
HK$155,413
−HK$4,118/mo
Today · 4.125%
HK$159,531
baseline
▲ 0.50% · 4.625%
HK$167,940
+HK$8,409/mo
Deposit HK$19.89M · loan HK$29.83M · min. income ≈ HK$319,062/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$2,113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,724
−HK$9,954/mo
▼ 0.25% · 3.875%
HK$163,662
−HK$5,016/mo
Today · 4.125%
HK$168,678
baseline
▲ 0.50% · 4.625%
HK$178,942
+HK$10,264/mo
Deposit HK$14.92M · loan HK$34.80M · min. income ≈ HK$337,356/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$2,113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,579
−HK$9,540/mo
▼ 0.25% · 3.875%
HK$181,315
−HK$4,804/mo
Today · 4.125%
HK$186,119
baseline
▲ 0.50% · 4.625%
HK$195,930
+HK$9,811/mo
Deposit HK$14.92M · loan HK$34.80M · min. income ≈ HK$372,238/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$2,113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,074
−HK$12,798/mo
▼ 0.25% · 3.875%
HK$210,422
−HK$6,450/mo
Today · 4.125%
HK$216,872
baseline
▲ 0.50% · 4.625%
HK$230,068
+HK$13,196/mo
Deposit HK$4.97M · loan HK$44.75M · min. income ≈ HK$433,744/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,113,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,031
−HK$12,265/mo
▼ 0.25% · 3.875%
HK$233,119
−HK$6,177/mo
Today · 4.125%
HK$239,296
baseline
▲ 0.50% · 4.625%
HK$251,910
+HK$12,614/mo
Deposit HK$4.97M · loan HK$44.75M · min. income ≈ HK$478,592/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,113,106 · Scale 2, in force from 26 Feb 2026)