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$113,810
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$117,350
−HK$3,597/mo
Today · 4.125%
HK$120,947
baseline
▲ 0.50% · 4.625%
HK$128,306
+HK$7,359/mo
Deposit HK$24.96M · loan HK$24.96M · min. income ≈ HK$241,894/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,121,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,612
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,008
−HK$3,445/mo
Today · 4.125%
HK$133,453
baseline
▲ 0.50% · 4.625%
HK$140,487
+HK$7,034/mo
Deposit HK$24.96M · loan HK$24.96M · min. income ≈ HK$266,906/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,121,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,572
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$140,820
−HK$4,316/mo
Today · 4.125%
HK$145,136
baseline
▲ 0.50% · 4.625%
HK$153,967
+HK$8,831/mo
Deposit HK$19.96M · loan HK$29.95M · min. income ≈ HK$290,272/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$2,121,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,935
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$156,010
−HK$4,133/mo
Today · 4.125%
HK$160,143
baseline
▲ 0.50% · 4.625%
HK$168,585
+HK$8,442/mo
Deposit HK$19.96M · loan HK$29.95M · min. income ≈ HK$320,286/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$2,121,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,334
−HK$9,991/mo
▼ 0.25% · 3.875%
HK$164,290
−HK$5,035/mo
Today · 4.125%
HK$169,325
baseline
▲ 0.50% · 4.625%
HK$179,628
+HK$10,303/mo
Deposit HK$14.97M · loan HK$34.94M · min. income ≈ HK$338,650/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$2,121,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,257
−HK$9,577/mo
▼ 0.25% · 3.875%
HK$182,011
−HK$4,823/mo
Today · 4.125%
HK$186,834
baseline
▲ 0.50% · 4.625%
HK$196,682
+HK$9,848/mo
Deposit HK$14.97M · loan HK$34.94M · min. income ≈ HK$373,668/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$2,121,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,858
−HK$12,846/mo
▼ 0.25% · 3.875%
HK$211,230
−HK$6,474/mo
Today · 4.125%
HK$217,704
baseline
▲ 0.50% · 4.625%
HK$230,951
+HK$13,247/mo
Deposit HK$4.99M · loan HK$44.92M · min. income ≈ HK$435,408/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,121,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,902
−HK$12,313/mo
▼ 0.25% · 3.875%
HK$234,014
−HK$6,201/mo
Today · 4.125%
HK$240,215
baseline
▲ 0.50% · 4.625%
HK$252,877
+HK$12,662/mo
Deposit HK$4.99M · loan HK$44.92M · min. income ≈ HK$480,430/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,121,217 · Scale 2, in force from 26 Feb 2026)