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$113,959
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$117,504
−HK$3,602/mo
Today · 4.125%
HK$121,106
baseline
▲ 0.50% · 4.625%
HK$128,474
+HK$7,368/mo
Deposit HK$24.99M · loan HK$24.99M · min. income ≈ HK$242,212/mo (50% DSR)
Upfront cash ≈ HK$27.11M (deposit + AVD stamp duty HK$2,124,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,779
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$130,179
−HK$3,449/mo
Today · 4.125%
HK$133,628
baseline
▲ 0.50% · 4.625%
HK$140,672
+HK$7,044/mo
Deposit HK$24.99M · loan HK$24.99M · min. income ≈ HK$267,256/mo (50% DSR)
Upfront cash ≈ HK$27.11M (deposit + AVD stamp duty HK$2,124,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,751
−HK$8,576/mo
▼ 0.25% · 3.875%
HK$141,005
−HK$4,322/mo
Today · 4.125%
HK$145,327
baseline
▲ 0.50% · 4.625%
HK$154,169
+HK$8,842/mo
Deposit HK$19.99M · loan HK$29.99M · min. income ≈ HK$290,654/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$2,124,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,134
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$156,214
−HK$4,140/mo
Today · 4.125%
HK$160,354
baseline
▲ 0.50% · 4.625%
HK$168,806
+HK$8,452/mo
Deposit HK$19.99M · loan HK$29.99M · min. income ≈ HK$320,708/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$2,124,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,543
−HK$10,005/mo
▼ 0.25% · 3.875%
HK$164,506
−HK$5,042/mo
Today · 4.125%
HK$169,548
baseline
▲ 0.50% · 4.625%
HK$179,864
+HK$10,316/mo
Deposit HK$14.99M · loan HK$34.98M · min. income ≈ HK$339,096/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$2,124,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,490
−HK$9,589/mo
▼ 0.25% · 3.875%
HK$182,250
−HK$4,829/mo
Today · 4.125%
HK$187,079
baseline
▲ 0.50% · 4.625%
HK$196,940
+HK$9,861/mo
Deposit HK$14.99M · loan HK$34.98M · min. income ≈ HK$374,158/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$2,124,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,127
−HK$12,863/mo
▼ 0.25% · 3.875%
HK$211,507
−HK$6,483/mo
Today · 4.125%
HK$217,990
baseline
▲ 0.50% · 4.625%
HK$231,254
+HK$13,264/mo
Deposit HK$5.00M · loan HK$44.98M · min. income ≈ HK$435,980/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$2,124,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,201
−HK$12,329/mo
▼ 0.25% · 3.875%
HK$234,322
−HK$6,208/mo
Today · 4.125%
HK$240,530
baseline
▲ 0.50% · 4.625%
HK$253,209
+HK$12,679/mo
Deposit HK$5.00M · loan HK$44.98M · min. income ≈ HK$481,060/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$2,124,002 · Scale 2, in force from 26 Feb 2026)