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$113,146
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$116,665
−HK$3,576/mo
Today · 4.125%
HK$120,241
baseline
▲ 0.50% · 4.625%
HK$127,557
+HK$7,316/mo
Deposit HK$24.81M · loan HK$24.81M · min. income ≈ HK$240,482/mo (50% DSR)
Upfront cash ≈ HK$26.92M (deposit + AVD stamp duty HK$2,108,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,873
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$129,249
−HK$3,425/mo
Today · 4.125%
HK$132,674
baseline
▲ 0.50% · 4.625%
HK$139,667
+HK$6,993/mo
Deposit HK$24.81M · loan HK$24.81M · min. income ≈ HK$265,348/mo (50% DSR)
Upfront cash ≈ HK$26.92M (deposit + AVD stamp duty HK$2,108,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,775
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$139,998
−HK$4,291/mo
Today · 4.125%
HK$144,289
baseline
▲ 0.50% · 4.625%
HK$153,069
+HK$8,780/mo
Deposit HK$19.85M · loan HK$29.77M · min. income ≈ HK$288,578/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,108,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,048
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$155,099
−HK$4,110/mo
Today · 4.125%
HK$159,209
baseline
▲ 0.50% · 4.625%
HK$167,601
+HK$8,392/mo
Deposit HK$19.85M · loan HK$29.77M · min. income ≈ HK$318,418/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,108,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,404
−HK$9,933/mo
▼ 0.25% · 3.875%
HK$163,331
−HK$5,006/mo
Today · 4.125%
HK$168,337
baseline
▲ 0.50% · 4.625%
HK$178,580
+HK$10,243/mo
Deposit HK$14.89M · loan HK$34.73M · min. income ≈ HK$336,674/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$2,108,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,223
−HK$9,520/mo
▼ 0.25% · 3.875%
HK$180,949
−HK$4,794/mo
Today · 4.125%
HK$185,743
baseline
▲ 0.50% · 4.625%
HK$195,534
+HK$9,791/mo
Deposit HK$14.89M · loan HK$34.73M · min. income ≈ HK$371,486/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$2,108,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,662
−HK$12,771/mo
▼ 0.25% · 3.875%
HK$209,997
−HK$6,436/mo
Today · 4.125%
HK$216,433
baseline
▲ 0.50% · 4.625%
HK$229,603
+HK$13,170/mo
Deposit HK$4.96M · loan HK$44.66M · min. income ≈ HK$432,866/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,108,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,572
−HK$12,241/mo
▼ 0.25% · 3.875%
HK$232,649
−HK$6,164/mo
Today · 4.125%
HK$238,813
baseline
▲ 0.50% · 4.625%
HK$251,401
+HK$12,588/mo
Deposit HK$4.96M · loan HK$44.66M · min. income ≈ HK$477,626/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,108,837 · Scale 2, in force from 26 Feb 2026)