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$112,520
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,020
−HK$3,556/mo
Today · 4.125%
HK$119,576
baseline
▲ 0.50% · 4.625%
HK$126,852
+HK$7,276/mo
Deposit HK$24.67M · loan HK$24.67M · min. income ≈ HK$239,152/mo (50% DSR)
Upfront cash ≈ HK$26.77M (deposit + AVD stamp duty HK$2,097,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,177
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,534
−HK$3,406/mo
Today · 4.125%
HK$131,940
baseline
▲ 0.50% · 4.625%
HK$138,895
+HK$6,955/mo
Deposit HK$24.67M · loan HK$24.67M · min. income ≈ HK$263,880/mo (50% DSR)
Upfront cash ≈ HK$26.77M (deposit + AVD stamp duty HK$2,097,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,024
−HK$8,467/mo
▼ 0.25% · 3.875%
HK$139,224
−HK$4,267/mo
Today · 4.125%
HK$143,491
baseline
▲ 0.50% · 4.625%
HK$152,222
+HK$8,731/mo
Deposit HK$19.74M · loan HK$29.61M · min. income ≈ HK$286,982/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,097,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,213
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$154,241
−HK$4,087/mo
Today · 4.125%
HK$158,328
baseline
▲ 0.50% · 4.625%
HK$166,674
+HK$8,346/mo
Deposit HK$19.74M · loan HK$29.61M · min. income ≈ HK$316,656/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,097,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,528
−HK$9,878/mo
▼ 0.25% · 3.875%
HK$162,428
−HK$4,978/mo
Today · 4.125%
HK$167,406
baseline
▲ 0.50% · 4.625%
HK$177,592
+HK$10,186/mo
Deposit HK$14.80M · loan HK$34.54M · min. income ≈ HK$334,812/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$2,097,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,248
−HK$9,468/mo
▼ 0.25% · 3.875%
HK$179,948
−HK$4,768/mo
Today · 4.125%
HK$184,716
baseline
▲ 0.50% · 4.625%
HK$194,453
+HK$9,737/mo
Deposit HK$14.80M · loan HK$34.54M · min. income ≈ HK$369,432/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$2,097,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,536
−HK$12,700/mo
▼ 0.25% · 3.875%
HK$208,836
−HK$6,400/mo
Today · 4.125%
HK$215,236
baseline
▲ 0.50% · 4.625%
HK$228,333
+HK$13,097/mo
Deposit HK$4.93M · loan HK$44.41M · min. income ≈ HK$430,472/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,097,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,319
−HK$12,173/mo
▼ 0.25% · 3.875%
HK$231,362
−HK$6,130/mo
Today · 4.125%
HK$237,492
baseline
▲ 0.50% · 4.625%
HK$250,011
+HK$12,519/mo
Deposit HK$4.93M · loan HK$44.41M · min. income ≈ HK$474,984/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,097,174 · Scale 2, in force from 26 Feb 2026)