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$112,669
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,174
−HK$3,560/mo
Today · 4.125%
HK$119,734
baseline
▲ 0.50% · 4.625%
HK$127,020
+HK$7,286/mo
Deposit HK$24.71M · loan HK$24.71M · min. income ≈ HK$239,468/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,099,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,343
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,705
−HK$3,410/mo
Today · 4.125%
HK$132,115
baseline
▲ 0.50% · 4.625%
HK$139,079
+HK$6,964/mo
Deposit HK$24.71M · loan HK$24.71M · min. income ≈ HK$264,230/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,099,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,203
−HK$8,478/mo
▼ 0.25% · 3.875%
HK$139,408
−HK$4,273/mo
Today · 4.125%
HK$143,681
baseline
▲ 0.50% · 4.625%
HK$152,424
+HK$8,743/mo
Deposit HK$19.76M · loan HK$29.65M · min. income ≈ HK$287,362/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$2,099,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,412
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$154,446
−HK$4,092/mo
Today · 4.125%
HK$158,538
baseline
▲ 0.50% · 4.625%
HK$166,895
+HK$8,357/mo
Deposit HK$19.76M · loan HK$29.65M · min. income ≈ HK$317,076/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$2,099,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,737
−HK$9,891/mo
▼ 0.25% · 3.875%
HK$162,643
−HK$4,985/mo
Today · 4.125%
HK$167,628
baseline
▲ 0.50% · 4.625%
HK$177,828
+HK$10,200/mo
Deposit HK$14.82M · loan HK$34.59M · min. income ≈ HK$335,256/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$2,099,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,480
−HK$9,481/mo
▼ 0.25% · 3.875%
HK$180,187
−HK$4,774/mo
Today · 4.125%
HK$184,961
baseline
▲ 0.50% · 4.625%
HK$194,710
+HK$9,749/mo
Deposit HK$14.82M · loan HK$34.59M · min. income ≈ HK$369,922/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$2,099,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,804
−HK$12,718/mo
▼ 0.25% · 3.875%
HK$209,112
−HK$6,410/mo
Today · 4.125%
HK$215,522
baseline
▲ 0.50% · 4.625%
HK$228,636
+HK$13,114/mo
Deposit HK$4.94M · loan HK$44.47M · min. income ≈ HK$431,044/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,099,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,618
−HK$12,189/mo
▼ 0.25% · 3.875%
HK$231,668
−HK$6,139/mo
Today · 4.125%
HK$237,807
baseline
▲ 0.50% · 4.625%
HK$250,342
+HK$12,535/mo
Deposit HK$4.94M · loan HK$44.47M · min. income ≈ HK$475,614/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,099,953 · Scale 2, in force from 26 Feb 2026)