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$113,252
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,775
−HK$3,579/mo
Today · 4.125%
HK$120,354
baseline
▲ 0.50% · 4.625%
HK$127,677
+HK$7,323/mo
Deposit HK$24.83M · loan HK$24.83M · min. income ≈ HK$240,708/mo (50% DSR)
Upfront cash ≈ HK$26.94M (deposit + AVD stamp duty HK$2,110,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,992
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$129,371
−HK$3,428/mo
Today · 4.125%
HK$132,799
baseline
▲ 0.50% · 4.625%
HK$139,799
+HK$7,000/mo
Deposit HK$24.83M · loan HK$24.83M · min. income ≈ HK$265,598/mo (50% DSR)
Upfront cash ≈ HK$26.94M (deposit + AVD stamp duty HK$2,110,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,903
−HK$8,522/mo
▼ 0.25% · 3.875%
HK$140,130
−HK$4,295/mo
Today · 4.125%
HK$144,425
baseline
▲ 0.50% · 4.625%
HK$153,213
+HK$8,788/mo
Deposit HK$19.87M · loan HK$29.80M · min. income ≈ HK$288,850/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$2,110,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,190
−HK$8,169/mo
▼ 0.25% · 3.875%
HK$155,245
−HK$4,114/mo
Today · 4.125%
HK$159,359
baseline
▲ 0.50% · 4.625%
HK$167,759
+HK$8,400/mo
Deposit HK$19.87M · loan HK$29.80M · min. income ≈ HK$318,718/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$2,110,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,553
−HK$9,943/mo
▼ 0.25% · 3.875%
HK$163,485
−HK$5,011/mo
Today · 4.125%
HK$168,496
baseline
▲ 0.50% · 4.625%
HK$178,748
+HK$10,252/mo
Deposit HK$14.90M · loan HK$34.77M · min. income ≈ HK$336,992/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$2,110,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,389
−HK$9,529/mo
▼ 0.25% · 3.875%
HK$181,119
−HK$4,799/mo
Today · 4.125%
HK$185,918
baseline
▲ 0.50% · 4.625%
HK$195,718
+HK$9,800/mo
Deposit HK$14.90M · loan HK$34.77M · min. income ≈ HK$371,836/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$2,110,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,854
−HK$12,783/mo
▼ 0.25% · 3.875%
HK$210,195
−HK$6,442/mo
Today · 4.125%
HK$216,637
baseline
▲ 0.50% · 4.625%
HK$229,819
+HK$13,182/mo
Deposit HK$4.97M · loan HK$44.70M · min. income ≈ HK$433,274/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$2,110,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,786
−HK$12,252/mo
▼ 0.25% · 3.875%
HK$232,868
−HK$6,170/mo
Today · 4.125%
HK$239,038
baseline
▲ 0.50% · 4.625%
HK$251,638
+HK$12,600/mo
Deposit HK$4.97M · loan HK$44.70M · min. income ≈ HK$478,076/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$2,110,824 · Scale 2, in force from 26 Feb 2026)