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$112,490
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$115,990
−HK$3,555/mo
Today · 4.125%
HK$119,545
baseline
▲ 0.50% · 4.625%
HK$126,819
+HK$7,274/mo
Deposit HK$24.67M · loan HK$24.67M · min. income ≈ HK$239,090/mo (50% DSR)
Upfront cash ≈ HK$26.76M (deposit + AVD stamp duty HK$2,096,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,145
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$128,501
−HK$3,405/mo
Today · 4.125%
HK$131,906
baseline
▲ 0.50% · 4.625%
HK$138,859
+HK$6,953/mo
Deposit HK$24.67M · loan HK$24.67M · min. income ≈ HK$263,812/mo (50% DSR)
Upfront cash ≈ HK$26.76M (deposit + AVD stamp duty HK$2,096,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,989
−HK$8,465/mo
▼ 0.25% · 3.875%
HK$139,187
−HK$4,267/mo
Today · 4.125%
HK$143,454
baseline
▲ 0.50% · 4.625%
HK$152,182
+HK$8,728/mo
Deposit HK$19.73M · loan HK$29.60M · min. income ≈ HK$286,908/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$2,096,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,173
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$154,201
−HK$4,086/mo
Today · 4.125%
HK$158,287
baseline
▲ 0.50% · 4.625%
HK$166,630
+HK$8,343/mo
Deposit HK$19.73M · loan HK$29.60M · min. income ≈ HK$316,574/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$2,096,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,487
−HK$9,875/mo
▼ 0.25% · 3.875%
HK$162,385
−HK$4,977/mo
Today · 4.125%
HK$167,362
baseline
▲ 0.50% · 4.625%
HK$177,546
+HK$10,184/mo
Deposit HK$14.80M · loan HK$34.53M · min. income ≈ HK$334,724/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$2,096,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,202
−HK$9,466/mo
▼ 0.25% · 3.875%
HK$179,901
−HK$4,767/mo
Today · 4.125%
HK$184,668
baseline
▲ 0.50% · 4.625%
HK$194,402
+HK$9,734/mo
Deposit HK$14.80M · loan HK$34.53M · min. income ≈ HK$369,336/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$2,096,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,483
−HK$12,697/mo
▼ 0.25% · 3.875%
HK$208,781
−HK$6,399/mo
Today · 4.125%
HK$215,180
baseline
▲ 0.50% · 4.625%
HK$228,274
+HK$13,094/mo
Deposit HK$4.93M · loan HK$44.40M · min. income ≈ HK$430,360/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,096,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,260
−HK$12,170/mo
▼ 0.25% · 3.875%
HK$231,302
−HK$6,128/mo
Today · 4.125%
HK$237,430
baseline
▲ 0.50% · 4.625%
HK$249,946
+HK$12,516/mo
Deposit HK$4.93M · loan HK$44.40M · min. income ≈ HK$474,860/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,096,627 · Scale 2, in force from 26 Feb 2026)