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$112,948
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$116,461
−HK$3,570/mo
Today · 4.125%
HK$120,031
baseline
▲ 0.50% · 4.625%
HK$127,334
+HK$7,303/mo
Deposit HK$24.77M · loan HK$24.77M · min. income ≈ HK$240,062/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$2,105,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,653
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$129,023
−HK$3,419/mo
Today · 4.125%
HK$132,442
baseline
▲ 0.50% · 4.625%
HK$139,423
+HK$6,981/mo
Deposit HK$24.77M · loan HK$24.77M · min. income ≈ HK$264,884/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$2,105,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,537
−HK$8,500/mo
▼ 0.25% · 3.875%
HK$139,753
−HK$4,284/mo
Today · 4.125%
HK$144,037
baseline
▲ 0.50% · 4.625%
HK$152,801
+HK$8,764/mo
Deposit HK$19.81M · loan HK$29.72M · min. income ≈ HK$288,074/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,105,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,784
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$154,828
−HK$4,102/mo
Today · 4.125%
HK$158,930
baseline
▲ 0.50% · 4.625%
HK$167,308
+HK$8,378/mo
Deposit HK$19.81M · loan HK$29.72M · min. income ≈ HK$317,860/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,105,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,127
−HK$9,916/mo
▼ 0.25% · 3.875%
HK$163,046
−HK$4,997/mo
Today · 4.125%
HK$168,043
baseline
▲ 0.50% · 4.625%
HK$178,268
+HK$10,225/mo
Deposit HK$14.86M · loan HK$34.67M · min. income ≈ HK$336,086/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$2,105,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,915
−HK$9,504/mo
▼ 0.25% · 3.875%
HK$180,633
−HK$4,786/mo
Today · 4.125%
HK$185,419
baseline
▲ 0.50% · 4.625%
HK$195,193
+HK$9,774/mo
Deposit HK$14.86M · loan HK$34.67M · min. income ≈ HK$370,838/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$2,105,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,306
−HK$12,749/mo
▼ 0.25% · 3.875%
HK$209,630
−HK$6,425/mo
Today · 4.125%
HK$216,055
baseline
▲ 0.50% · 4.625%
HK$229,202
+HK$13,147/mo
Deposit HK$4.95M · loan HK$44.58M · min. income ≈ HK$432,110/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,105,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,176
−HK$12,220/mo
▼ 0.25% · 3.875%
HK$232,242
−HK$6,154/mo
Today · 4.125%
HK$238,396
baseline
▲ 0.50% · 4.625%
HK$250,962
+HK$12,566/mo
Deposit HK$4.95M · loan HK$44.58M · min. income ≈ HK$476,792/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,105,152 · Scale 2, in force from 26 Feb 2026)