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$113,190
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,711
−HK$3,577/mo
Today · 4.125%
HK$120,288
baseline
▲ 0.50% · 4.625%
HK$127,607
+HK$7,319/mo
Deposit HK$24.82M · loan HK$24.82M · min. income ≈ HK$240,576/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,109,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,923
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,300
−HK$3,426/mo
Today · 4.125%
HK$132,726
baseline
▲ 0.50% · 4.625%
HK$139,722
+HK$6,996/mo
Deposit HK$24.82M · loan HK$24.82M · min. income ≈ HK$265,452/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,109,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,828
−HK$8,518/mo
▼ 0.25% · 3.875%
HK$140,053
−HK$4,293/mo
Today · 4.125%
HK$144,346
baseline
▲ 0.50% · 4.625%
HK$153,129
+HK$8,783/mo
Deposit HK$19.86M · loan HK$29.78M · min. income ≈ HK$288,692/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,109,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,107
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$155,160
−HK$4,111/mo
Today · 4.125%
HK$159,271
baseline
▲ 0.50% · 4.625%
HK$167,666
+HK$8,395/mo
Deposit HK$19.86M · loan HK$29.78M · min. income ≈ HK$318,542/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,109,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,466
−HK$9,937/mo
▼ 0.25% · 3.875%
HK$163,395
−HK$5,008/mo
Today · 4.125%
HK$168,403
baseline
▲ 0.50% · 4.625%
HK$178,650
+HK$10,247/mo
Deposit HK$14.89M · loan HK$34.75M · min. income ≈ HK$336,806/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,109,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,292
−HK$9,524/mo
▼ 0.25% · 3.875%
HK$181,020
−HK$4,796/mo
Today · 4.125%
HK$185,816
baseline
▲ 0.50% · 4.625%
HK$195,611
+HK$9,795/mo
Deposit HK$14.89M · loan HK$34.75M · min. income ≈ HK$371,632/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,109,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,742
−HK$12,776/mo
▼ 0.25% · 3.875%
HK$210,079
−HK$6,439/mo
Today · 4.125%
HK$216,518
baseline
▲ 0.50% · 4.625%
HK$229,693
+HK$13,175/mo
Deposit HK$4.96M · loan HK$44.68M · min. income ≈ HK$433,036/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,109,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,661
−HK$12,246/mo
▼ 0.25% · 3.875%
HK$232,740
−HK$6,167/mo
Today · 4.125%
HK$238,907
baseline
▲ 0.50% · 4.625%
HK$251,500
+HK$12,593/mo
Deposit HK$4.96M · loan HK$44.68M · min. income ≈ HK$477,814/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,109,663 · Scale 2, in force from 26 Feb 2026)