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$113,038
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$116,554
−HK$3,572/mo
Today · 4.125%
HK$120,126
baseline
▲ 0.50% · 4.625%
HK$127,436
+HK$7,310/mo
Deposit HK$24.79M · loan HK$24.79M · min. income ≈ HK$240,252/mo (50% DSR)
Upfront cash ≈ HK$26.89M (deposit + AVD stamp duty HK$2,106,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,754
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$129,126
−HK$3,422/mo
Today · 4.125%
HK$132,548
baseline
▲ 0.50% · 4.625%
HK$139,534
+HK$6,986/mo
Deposit HK$24.79M · loan HK$24.79M · min. income ≈ HK$265,096/mo (50% DSR)
Upfront cash ≈ HK$26.89M (deposit + AVD stamp duty HK$2,106,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,646
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$139,865
−HK$4,287/mo
Today · 4.125%
HK$144,152
baseline
▲ 0.50% · 4.625%
HK$152,923
+HK$8,771/mo
Deposit HK$19.83M · loan HK$29.74M · min. income ≈ HK$288,304/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$2,106,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,904
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$154,952
−HK$4,105/mo
Today · 4.125%
HK$159,057
baseline
▲ 0.50% · 4.625%
HK$167,441
+HK$8,384/mo
Deposit HK$19.83M · loan HK$29.74M · min. income ≈ HK$318,114/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$2,106,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,253
−HK$9,924/mo
▼ 0.25% · 3.875%
HK$163,176
−HK$5,001/mo
Today · 4.125%
HK$168,177
baseline
▲ 0.50% · 4.625%
HK$178,410
+HK$10,233/mo
Deposit HK$14.87M · loan HK$34.70M · min. income ≈ HK$336,354/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$2,106,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,055
−HK$9,512/mo
▼ 0.25% · 3.875%
HK$180,777
−HK$4,790/mo
Today · 4.125%
HK$185,567
baseline
▲ 0.50% · 4.625%
HK$195,348
+HK$9,781/mo
Deposit HK$14.87M · loan HK$34.70M · min. income ≈ HK$371,134/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$2,106,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,468
−HK$12,760/mo
▼ 0.25% · 3.875%
HK$209,797
−HK$6,431/mo
Today · 4.125%
HK$216,228
baseline
▲ 0.50% · 4.625%
HK$229,385
+HK$13,157/mo
Deposit HK$4.96M · loan HK$44.62M · min. income ≈ HK$432,456/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,106,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,357
−HK$12,229/mo
▼ 0.25% · 3.875%
HK$232,427
−HK$6,159/mo
Today · 4.125%
HK$238,586
baseline
▲ 0.50% · 4.625%
HK$251,162
+HK$12,576/mo
Deposit HK$4.96M · loan HK$44.62M · min. income ≈ HK$477,172/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,106,831 · Scale 2, in force from 26 Feb 2026)