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$113,648
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$117,183
−HK$3,592/mo
Today · 4.125%
HK$120,775
baseline
▲ 0.50% · 4.625%
HK$128,124
+HK$7,349/mo
Deposit HK$24.92M · loan HK$24.92M · min. income ≈ HK$241,550/mo (50% DSR)
Upfront cash ≈ HK$27.04M (deposit + AVD stamp duty HK$2,118,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,433
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$129,823
−HK$3,440/mo
Today · 4.125%
HK$133,263
baseline
▲ 0.50% · 4.625%
HK$140,288
+HK$7,025/mo
Deposit HK$24.92M · loan HK$24.92M · min. income ≈ HK$266,526/mo (50% DSR)
Upfront cash ≈ HK$27.04M (deposit + AVD stamp duty HK$2,118,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,378
−HK$8,552/mo
▼ 0.25% · 3.875%
HK$140,620
−HK$4,310/mo
Today · 4.125%
HK$144,930
baseline
▲ 0.50% · 4.625%
HK$153,749
+HK$8,819/mo
Deposit HK$19.94M · loan HK$29.90M · min. income ≈ HK$289,860/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,118,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,719
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$155,788
−HK$4,128/mo
Today · 4.125%
HK$159,916
baseline
▲ 0.50% · 4.625%
HK$168,345
+HK$8,429/mo
Deposit HK$19.94M · loan HK$29.90M · min. income ≈ HK$319,832/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,118,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,108
−HK$9,977/mo
▼ 0.25% · 3.875%
HK$164,057
−HK$5,028/mo
Today · 4.125%
HK$169,085
baseline
▲ 0.50% · 4.625%
HK$179,373
+HK$10,288/mo
Deposit HK$14.95M · loan HK$34.89M · min. income ≈ HK$338,170/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$2,118,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,006
−HK$9,563/mo
▼ 0.25% · 3.875%
HK$181,753
−HK$4,816/mo
Today · 4.125%
HK$186,569
baseline
▲ 0.50% · 4.625%
HK$196,403
+HK$9,834/mo
Deposit HK$14.95M · loan HK$34.89M · min. income ≈ HK$373,138/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$2,118,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,567
−HK$12,828/mo
▼ 0.25% · 3.875%
HK$210,930
−HK$6,465/mo
Today · 4.125%
HK$217,395
baseline
▲ 0.50% · 4.625%
HK$230,623
+HK$13,228/mo
Deposit HK$4.98M · loan HK$44.86M · min. income ≈ HK$434,790/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,118,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,579
−HK$12,295/mo
▼ 0.25% · 3.875%
HK$233,682
−HK$6,192/mo
Today · 4.125%
HK$239,874
baseline
▲ 0.50% · 4.625%
HK$252,518
+HK$12,644/mo
Deposit HK$4.98M · loan HK$44.86M · min. income ≈ HK$479,748/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,118,205 · Scale 2, in force from 26 Feb 2026)