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$113,068
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$116,585
−HK$3,573/mo
Today · 4.125%
HK$120,158
baseline
▲ 0.50% · 4.625%
HK$127,469
+HK$7,311/mo
Deposit HK$24.79M · loan HK$24.79M · min. income ≈ HK$240,316/mo (50% DSR)
Upfront cash ≈ HK$26.90M (deposit + AVD stamp duty HK$2,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,787
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,160
−HK$3,423/mo
Today · 4.125%
HK$132,583
baseline
▲ 0.50% · 4.625%
HK$139,571
+HK$6,988/mo
Deposit HK$24.79M · loan HK$24.79M · min. income ≈ HK$265,166/mo (50% DSR)
Upfront cash ≈ HK$26.90M (deposit + AVD stamp duty HK$2,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,681
−HK$8,509/mo
▼ 0.25% · 3.875%
HK$139,902
−HK$4,288/mo
Today · 4.125%
HK$144,190
baseline
▲ 0.50% · 4.625%
HK$152,963
+HK$8,773/mo
Deposit HK$19.83M · loan HK$29.75M · min. income ≈ HK$288,380/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$2,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,944
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$154,992
−HK$4,107/mo
Today · 4.125%
HK$159,099
baseline
▲ 0.50% · 4.625%
HK$167,485
+HK$8,386/mo
Deposit HK$19.83M · loan HK$29.75M · min. income ≈ HK$318,198/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$2,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,295
−HK$9,926/mo
▼ 0.25% · 3.875%
HK$163,219
−HK$5,002/mo
Today · 4.125%
HK$168,221
baseline
▲ 0.50% · 4.625%
HK$178,457
+HK$10,236/mo
Deposit HK$14.88M · loan HK$34.71M · min. income ≈ HK$336,442/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$2,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,101
−HK$9,515/mo
▼ 0.25% · 3.875%
HK$180,824
−HK$4,792/mo
Today · 4.125%
HK$185,616
baseline
▲ 0.50% · 4.625%
HK$195,400
+HK$9,784/mo
Deposit HK$14.88M · loan HK$34.71M · min. income ≈ HK$371,232/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$2,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,522
−HK$12,763/mo
▼ 0.25% · 3.875%
HK$209,853
−HK$6,432/mo
Today · 4.125%
HK$216,285
baseline
▲ 0.50% · 4.625%
HK$229,445
+HK$13,160/mo
Deposit HK$4.96M · loan HK$44.63M · min. income ≈ HK$432,570/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,416
−HK$12,233/mo
▼ 0.25% · 3.875%
HK$232,488
−HK$6,161/mo
Today · 4.125%
HK$238,649
baseline
▲ 0.50% · 4.625%
HK$251,228
+HK$12,579/mo
Deposit HK$4.96M · loan HK$44.63M · min. income ≈ HK$477,298/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,107,386 · Scale 2, in force from 26 Feb 2026)