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$113,181
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$116,701
−HK$3,577/mo
Today · 4.125%
HK$120,278
baseline
▲ 0.50% · 4.625%
HK$127,597
+HK$7,319/mo
Deposit HK$24.82M · loan HK$24.82M · min. income ≈ HK$240,556/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,109,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,912
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,289
−HK$3,426/mo
Today · 4.125%
HK$132,715
baseline
▲ 0.50% · 4.625%
HK$139,710
+HK$6,995/mo
Deposit HK$24.82M · loan HK$24.82M · min. income ≈ HK$265,430/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,109,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,817
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$140,041
−HK$4,293/mo
Today · 4.125%
HK$144,334
baseline
▲ 0.50% · 4.625%
HK$153,116
+HK$8,782/mo
Deposit HK$19.85M · loan HK$29.78M · min. income ≈ HK$288,668/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,109,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,095
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$155,147
−HK$4,111/mo
Today · 4.125%
HK$159,258
baseline
▲ 0.50% · 4.625%
HK$167,653
+HK$8,395/mo
Deposit HK$19.85M · loan HK$29.78M · min. income ≈ HK$318,516/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,109,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,453
−HK$9,936/mo
▼ 0.25% · 3.875%
HK$163,382
−HK$5,007/mo
Today · 4.125%
HK$168,389
baseline
▲ 0.50% · 4.625%
HK$178,635
+HK$10,246/mo
Deposit HK$14.89M · loan HK$34.74M · min. income ≈ HK$336,778/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,109,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,277
−HK$9,524/mo
▼ 0.25% · 3.875%
HK$181,005
−HK$4,796/mo
Today · 4.125%
HK$185,801
baseline
▲ 0.50% · 4.625%
HK$195,595
+HK$9,794/mo
Deposit HK$14.89M · loan HK$34.74M · min. income ≈ HK$371,602/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,109,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,725
−HK$12,775/mo
▼ 0.25% · 3.875%
HK$210,062
−HK$6,438/mo
Today · 4.125%
HK$216,500
baseline
▲ 0.50% · 4.625%
HK$229,674
+HK$13,174/mo
Deposit HK$4.96M · loan HK$44.67M · min. income ≈ HK$433,000/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,109,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,642
−HK$12,245/mo
▼ 0.25% · 3.875%
HK$232,720
−HK$6,167/mo
Today · 4.125%
HK$238,887
baseline
▲ 0.50% · 4.625%
HK$251,479
+HK$12,592/mo
Deposit HK$4.96M · loan HK$44.67M · min. income ≈ HK$477,774/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,109,488 · Scale 2, in force from 26 Feb 2026)