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$112,441
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,939
−HK$3,554/mo
Today · 4.125%
HK$119,493
baseline
▲ 0.50% · 4.625%
HK$126,763
+HK$7,270/mo
Deposit HK$24.66M · loan HK$24.66M · min. income ≈ HK$238,986/mo (50% DSR)
Upfront cash ≈ HK$26.75M (deposit + AVD stamp duty HK$2,095,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,090
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$128,445
−HK$3,403/mo
Today · 4.125%
HK$131,848
baseline
▲ 0.50% · 4.625%
HK$138,798
+HK$6,950/mo
Deposit HK$24.66M · loan HK$24.66M · min. income ≈ HK$263,696/mo (50% DSR)
Upfront cash ≈ HK$26.75M (deposit + AVD stamp duty HK$2,095,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,930
−HK$8,461/mo
▼ 0.25% · 3.875%
HK$139,127
−HK$4,264/mo
Today · 4.125%
HK$143,391
baseline
▲ 0.50% · 4.625%
HK$152,116
+HK$8,725/mo
Deposit HK$19.72M · loan HK$29.59M · min. income ≈ HK$286,782/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$2,095,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,108
−HK$8,110/mo
▼ 0.25% · 3.875%
HK$154,134
−HK$4,084/mo
Today · 4.125%
HK$158,218
baseline
▲ 0.50% · 4.625%
HK$166,558
+HK$8,340/mo
Deposit HK$19.72M · loan HK$29.59M · min. income ≈ HK$316,436/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$2,095,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,418
−HK$9,872/mo
▼ 0.25% · 3.875%
HK$162,315
−HK$4,975/mo
Today · 4.125%
HK$167,290
baseline
▲ 0.50% · 4.625%
HK$177,469
+HK$10,179/mo
Deposit HK$14.79M · loan HK$34.52M · min. income ≈ HK$334,580/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$2,095,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,126
−HK$9,462/mo
▼ 0.25% · 3.875%
HK$179,823
−HK$4,765/mo
Today · 4.125%
HK$184,588
baseline
▲ 0.50% · 4.625%
HK$194,317
+HK$9,729/mo
Deposit HK$14.79M · loan HK$34.52M · min. income ≈ HK$369,176/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$2,095,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,395
−HK$12,692/mo
▼ 0.25% · 3.875%
HK$208,690
−HK$6,397/mo
Today · 4.125%
HK$215,087
baseline
▲ 0.50% · 4.625%
HK$228,174
+HK$13,087/mo
Deposit HK$4.93M · loan HK$44.38M · min. income ≈ HK$430,174/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,095,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,162
−HK$12,165/mo
▼ 0.25% · 3.875%
HK$231,201
−HK$6,126/mo
Today · 4.125%
HK$237,327
baseline
▲ 0.50% · 4.625%
HK$249,837
+HK$12,510/mo
Deposit HK$4.93M · loan HK$44.38M · min. income ≈ HK$474,654/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,095,714 · Scale 2, in force from 26 Feb 2026)