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$112,565
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,066
−HK$3,558/mo
Today · 4.125%
HK$119,624
baseline
▲ 0.50% · 4.625%
HK$126,902
+HK$7,278/mo
Deposit HK$24.68M · loan HK$24.68M · min. income ≈ HK$239,248/mo (50% DSR)
Upfront cash ≈ HK$26.78M (deposit + AVD stamp duty HK$2,098,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,227
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,586
−HK$3,407/mo
Today · 4.125%
HK$131,993
baseline
▲ 0.50% · 4.625%
HK$138,950
+HK$6,957/mo
Deposit HK$24.68M · loan HK$24.68M · min. income ≈ HK$263,986/mo (50% DSR)
Upfront cash ≈ HK$26.78M (deposit + AVD stamp duty HK$2,098,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,078
−HK$8,470/mo
▼ 0.25% · 3.875%
HK$139,279
−HK$4,269/mo
Today · 4.125%
HK$143,548
baseline
▲ 0.50% · 4.625%
HK$152,283
+HK$8,735/mo
Deposit HK$19.75M · loan HK$29.62M · min. income ≈ HK$287,096/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,098,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,273
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$154,303
−HK$4,088/mo
Today · 4.125%
HK$158,391
baseline
▲ 0.50% · 4.625%
HK$166,740
+HK$8,349/mo
Deposit HK$19.75M · loan HK$29.62M · min. income ≈ HK$316,782/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,098,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,591
−HK$9,882/mo
▼ 0.25% · 3.875%
HK$162,493
−HK$4,980/mo
Today · 4.125%
HK$167,473
baseline
▲ 0.50% · 4.625%
HK$177,663
+HK$10,190/mo
Deposit HK$14.81M · loan HK$34.56M · min. income ≈ HK$334,946/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$2,098,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,318
−HK$9,472/mo
▼ 0.25% · 3.875%
HK$180,020
−HK$4,770/mo
Today · 4.125%
HK$184,790
baseline
▲ 0.50% · 4.625%
HK$194,530
+HK$9,740/mo
Deposit HK$14.81M · loan HK$34.56M · min. income ≈ HK$369,580/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$2,098,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,617
−HK$12,705/mo
▼ 0.25% · 3.875%
HK$208,919
−HK$6,403/mo
Today · 4.125%
HK$215,322
baseline
▲ 0.50% · 4.625%
HK$228,424
+HK$13,102/mo
Deposit HK$4.94M · loan HK$44.43M · min. income ≈ HK$430,644/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,098,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,409
−HK$12,178/mo
▼ 0.25% · 3.875%
HK$231,454
−HK$6,133/mo
Today · 4.125%
HK$237,587
baseline
▲ 0.50% · 4.625%
HK$250,111
+HK$12,524/mo
Deposit HK$4.94M · loan HK$44.43M · min. income ≈ HK$475,174/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$2,098,011 · Scale 2, in force from 26 Feb 2026)