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$112,818
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$116,327
−HK$3,566/mo
Today · 4.125%
HK$119,893
baseline
▲ 0.50% · 4.625%
HK$127,188
+HK$7,295/mo
Deposit HK$24.74M · loan HK$24.74M · min. income ≈ HK$239,786/mo (50% DSR)
Upfront cash ≈ HK$26.84M (deposit + AVD stamp duty HK$2,102,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,509
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$128,875
−HK$3,415/mo
Today · 4.125%
HK$132,290
baseline
▲ 0.50% · 4.625%
HK$139,263
+HK$6,973/mo
Deposit HK$24.74M · loan HK$24.74M · min. income ≈ HK$264,580/mo (50% DSR)
Upfront cash ≈ HK$26.84M (deposit + AVD stamp duty HK$2,102,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,382
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$139,593
−HK$4,278/mo
Today · 4.125%
HK$143,871
baseline
▲ 0.50% · 4.625%
HK$152,625
+HK$8,754/mo
Deposit HK$19.79M · loan HK$29.69M · min. income ≈ HK$287,742/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$2,102,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,611
−HK$8,137/mo
▼ 0.25% · 3.875%
HK$154,650
−HK$4,098/mo
Today · 4.125%
HK$158,748
baseline
▲ 0.50% · 4.625%
HK$167,115
+HK$8,367/mo
Deposit HK$19.79M · loan HK$29.69M · min. income ≈ HK$317,496/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$2,102,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,945
−HK$9,905/mo
▼ 0.25% · 3.875%
HK$162,858
−HK$4,992/mo
Today · 4.125%
HK$167,850
baseline
▲ 0.50% · 4.625%
HK$178,063
+HK$10,213/mo
Deposit HK$14.84M · loan HK$34.63M · min. income ≈ HK$335,700/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$2,102,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,712
−HK$9,494/mo
▼ 0.25% · 3.875%
HK$180,425
−HK$4,781/mo
Today · 4.125%
HK$185,206
baseline
▲ 0.50% · 4.625%
HK$194,968
+HK$9,762/mo
Deposit HK$14.84M · loan HK$34.63M · min. income ≈ HK$370,412/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$2,102,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,072
−HK$12,735/mo
▼ 0.25% · 3.875%
HK$209,389
−HK$6,418/mo
Today · 4.125%
HK$215,807
baseline
▲ 0.50% · 4.625%
HK$228,938
+HK$13,131/mo
Deposit HK$4.95M · loan HK$44.53M · min. income ≈ HK$431,614/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$2,102,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,916
−HK$12,206/mo
▼ 0.25% · 3.875%
HK$231,975
−HK$6,147/mo
Today · 4.125%
HK$238,122
baseline
▲ 0.50% · 4.625%
HK$250,673
+HK$12,551/mo
Deposit HK$4.95M · loan HK$44.53M · min. income ≈ HK$476,244/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$2,102,731 · Scale 2, in force from 26 Feb 2026)