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$112,470
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,968
−HK$3,554/mo
Today · 4.125%
HK$119,522
baseline
▲ 0.50% · 4.625%
HK$126,795
+HK$7,273/mo
Deposit HK$24.66M · loan HK$24.66M · min. income ≈ HK$239,044/mo (50% DSR)
Upfront cash ≈ HK$26.76M (deposit + AVD stamp duty HK$2,096,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,121
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,477
−HK$3,404/mo
Today · 4.125%
HK$131,881
baseline
▲ 0.50% · 4.625%
HK$138,833
+HK$6,952/mo
Deposit HK$24.66M · loan HK$24.66M · min. income ≈ HK$263,762/mo (50% DSR)
Upfront cash ≈ HK$26.76M (deposit + AVD stamp duty HK$2,096,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,963
−HK$8,464/mo
▼ 0.25% · 3.875%
HK$139,162
−HK$4,265/mo
Today · 4.125%
HK$143,427
baseline
▲ 0.50% · 4.625%
HK$152,154
+HK$8,727/mo
Deposit HK$19.73M · loan HK$29.59M · min. income ≈ HK$286,854/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$2,096,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,146
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$154,172
−HK$4,085/mo
Today · 4.125%
HK$158,257
baseline
▲ 0.50% · 4.625%
HK$166,599
+HK$8,342/mo
Deposit HK$19.73M · loan HK$29.59M · min. income ≈ HK$316,514/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$2,096,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,457
−HK$9,874/mo
▼ 0.25% · 3.875%
HK$162,355
−HK$4,976/mo
Today · 4.125%
HK$167,331
baseline
▲ 0.50% · 4.625%
HK$177,513
+HK$10,182/mo
Deposit HK$14.80M · loan HK$34.53M · min. income ≈ HK$334,662/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$2,096,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,170
−HK$9,464/mo
▼ 0.25% · 3.875%
HK$179,868
−HK$4,766/mo
Today · 4.125%
HK$184,634
baseline
▲ 0.50% · 4.625%
HK$194,366
+HK$9,732/mo
Deposit HK$14.80M · loan HK$34.53M · min. income ≈ HK$369,268/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$2,096,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,445
−HK$12,695/mo
▼ 0.25% · 3.875%
HK$208,742
−HK$6,398/mo
Today · 4.125%
HK$215,140
baseline
▲ 0.50% · 4.625%
HK$228,231
+HK$13,091/mo
Deposit HK$4.93M · loan HK$44.39M · min. income ≈ HK$430,280/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,096,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,218
−HK$12,168/mo
▼ 0.25% · 3.875%
HK$231,259
−HK$6,127/mo
Today · 4.125%
HK$237,386
baseline
▲ 0.50% · 4.625%
HK$249,899
+HK$12,513/mo
Deposit HK$4.93M · loan HK$44.39M · min. income ≈ HK$474,772/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,096,237 · Scale 2, in force from 26 Feb 2026)