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$112,960
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$116,474
−HK$3,570/mo
Today · 4.125%
HK$120,044
baseline
▲ 0.50% · 4.625%
HK$127,348
+HK$7,304/mo
Deposit HK$24.77M · loan HK$24.77M · min. income ≈ HK$240,088/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$2,105,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,667
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$129,038
−HK$3,419/mo
Today · 4.125%
HK$132,457
baseline
▲ 0.50% · 4.625%
HK$139,439
+HK$6,982/mo
Deposit HK$24.77M · loan HK$24.77M · min. income ≈ HK$264,914/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$2,105,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,552
−HK$8,501/mo
▼ 0.25% · 3.875%
HK$139,769
−HK$4,284/mo
Today · 4.125%
HK$144,053
baseline
▲ 0.50% · 4.625%
HK$152,818
+HK$8,765/mo
Deposit HK$19.82M · loan HK$29.72M · min. income ≈ HK$288,106/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,105,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,801
−HK$8,147/mo
▼ 0.25% · 3.875%
HK$154,845
−HK$4,103/mo
Today · 4.125%
HK$158,948
baseline
▲ 0.50% · 4.625%
HK$167,326
+HK$8,378/mo
Deposit HK$19.82M · loan HK$29.72M · min. income ≈ HK$317,896/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,105,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,145
−HK$9,917/mo
▼ 0.25% · 3.875%
HK$163,064
−HK$4,998/mo
Today · 4.125%
HK$168,062
baseline
▲ 0.50% · 4.625%
HK$178,288
+HK$10,226/mo
Deposit HK$14.86M · loan HK$34.68M · min. income ≈ HK$336,124/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$2,105,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,934
−HK$9,505/mo
▼ 0.25% · 3.875%
HK$180,653
−HK$4,786/mo
Today · 4.125%
HK$185,439
baseline
▲ 0.50% · 4.625%
HK$195,214
+HK$9,775/mo
Deposit HK$14.86M · loan HK$34.68M · min. income ≈ HK$370,878/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$2,105,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,329
−HK$12,750/mo
▼ 0.25% · 3.875%
HK$209,653
−HK$6,426/mo
Today · 4.125%
HK$216,079
baseline
▲ 0.50% · 4.625%
HK$229,227
+HK$13,148/mo
Deposit HK$4.95M · loan HK$44.58M · min. income ≈ HK$432,158/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,105,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,201
−HK$12,221/mo
▼ 0.25% · 3.875%
HK$232,268
−HK$6,154/mo
Today · 4.125%
HK$238,422
baseline
▲ 0.50% · 4.625%
HK$250,990
+HK$12,568/mo
Deposit HK$4.95M · loan HK$44.58M · min. income ≈ HK$476,844/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,105,385 · Scale 2, in force from 26 Feb 2026)