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$112,856
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$116,367
−HK$3,566/mo
Today · 4.125%
HK$119,933
baseline
▲ 0.50% · 4.625%
HK$127,231
+HK$7,298/mo
Deposit HK$24.75M · loan HK$24.75M · min. income ≈ HK$239,866/mo (50% DSR)
Upfront cash ≈ HK$26.85M (deposit + AVD stamp duty HK$2,103,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,552
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$128,919
−HK$3,416/mo
Today · 4.125%
HK$132,335
baseline
▲ 0.50% · 4.625%
HK$139,310
+HK$6,975/mo
Deposit HK$24.75M · loan HK$24.75M · min. income ≈ HK$264,670/mo (50% DSR)
Upfront cash ≈ HK$26.85M (deposit + AVD stamp duty HK$2,103,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,428
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$139,640
−HK$4,280/mo
Today · 4.125%
HK$143,920
baseline
▲ 0.50% · 4.625%
HK$152,677
+HK$8,757/mo
Deposit HK$19.80M · loan HK$29.70M · min. income ≈ HK$287,840/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$2,103,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,662
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$154,703
−HK$4,099/mo
Today · 4.125%
HK$158,802
baseline
▲ 0.50% · 4.625%
HK$167,172
+HK$8,370/mo
Deposit HK$19.80M · loan HK$29.70M · min. income ≈ HK$317,604/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$2,103,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,999
−HK$9,908/mo
▼ 0.25% · 3.875%
HK$162,914
−HK$4,993/mo
Today · 4.125%
HK$167,907
baseline
▲ 0.50% · 4.625%
HK$178,124
+HK$10,217/mo
Deposit HK$14.85M · loan HK$34.64M · min. income ≈ HK$335,814/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$2,103,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,772
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$180,486
−HK$4,783/mo
Today · 4.125%
HK$185,269
baseline
▲ 0.50% · 4.625%
HK$195,034
+HK$9,765/mo
Deposit HK$14.85M · loan HK$34.64M · min. income ≈ HK$370,538/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$2,103,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,141
−HK$12,739/mo
▼ 0.25% · 3.875%
HK$209,460
−HK$6,420/mo
Today · 4.125%
HK$215,880
baseline
▲ 0.50% · 4.625%
HK$229,016
+HK$13,136/mo
Deposit HK$4.95M · loan HK$44.54M · min. income ≈ HK$431,760/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$2,103,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,993
−HK$12,210/mo
▼ 0.25% · 3.875%
HK$232,054
−HK$6,149/mo
Today · 4.125%
HK$238,203
baseline
▲ 0.50% · 4.625%
HK$250,759
+HK$12,556/mo
Deposit HK$4.95M · loan HK$44.54M · min. income ≈ HK$476,406/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$2,103,446 · Scale 2, in force from 26 Feb 2026)