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$112,356
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$115,851
−HK$3,551/mo
Today · 4.125%
HK$119,402
baseline
▲ 0.50% · 4.625%
HK$126,668
+HK$7,266/mo
Deposit HK$24.64M · loan HK$24.64M · min. income ≈ HK$238,804/mo (50% DSR)
Upfront cash ≈ HK$26.73M (deposit + AVD stamp duty HK$2,094,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,995
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$128,348
−HK$3,401/mo
Today · 4.125%
HK$131,749
baseline
▲ 0.50% · 4.625%
HK$138,693
+HK$6,944/mo
Deposit HK$24.64M · loan HK$24.64M · min. income ≈ HK$263,498/mo (50% DSR)
Upfront cash ≈ HK$26.73M (deposit + AVD stamp duty HK$2,094,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,828
−HK$8,455/mo
▼ 0.25% · 3.875%
HK$139,022
−HK$4,261/mo
Today · 4.125%
HK$143,283
baseline
▲ 0.50% · 4.625%
HK$152,001
+HK$8,718/mo
Deposit HK$19.71M · loan HK$29.56M · min. income ≈ HK$286,566/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,094,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,994
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$154,017
−HK$4,081/mo
Today · 4.125%
HK$158,098
baseline
▲ 0.50% · 4.625%
HK$166,432
+HK$8,334/mo
Deposit HK$19.71M · loan HK$29.56M · min. income ≈ HK$316,196/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,094,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,299
−HK$9,864/mo
▼ 0.25% · 3.875%
HK$162,192
−HK$4,971/mo
Today · 4.125%
HK$167,163
baseline
▲ 0.50% · 4.625%
HK$177,335
+HK$10,172/mo
Deposit HK$14.78M · loan HK$34.49M · min. income ≈ HK$334,326/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$2,094,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,994
−HK$9,454/mo
▼ 0.25% · 3.875%
HK$179,687
−HK$4,761/mo
Today · 4.125%
HK$184,448
baseline
▲ 0.50% · 4.625%
HK$194,170
+HK$9,722/mo
Deposit HK$14.78M · loan HK$34.49M · min. income ≈ HK$368,896/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$2,094,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,242
−HK$12,682/mo
▼ 0.25% · 3.875%
HK$208,532
−HK$6,392/mo
Today · 4.125%
HK$214,924
baseline
▲ 0.50% · 4.625%
HK$228,002
+HK$13,078/mo
Deposit HK$4.93M · loan HK$44.35M · min. income ≈ HK$429,848/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,094,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,992
−HK$12,155/mo
▼ 0.25% · 3.875%
HK$231,026
−HK$6,121/mo
Today · 4.125%
HK$237,147
baseline
▲ 0.50% · 4.625%
HK$249,648
+HK$12,501/mo
Deposit HK$4.93M · loan HK$44.35M · min. income ≈ HK$474,294/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,094,128 · Scale 2, in force from 26 Feb 2026)