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$113,709
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,246
−HK$3,593/mo
Today · 4.125%
HK$120,839
baseline
▲ 0.50% · 4.625%
HK$128,192
+HK$7,353/mo
Deposit HK$24.93M · loan HK$24.93M · min. income ≈ HK$241,678/mo (50% DSR)
Upfront cash ≈ HK$27.05M (deposit + AVD stamp duty HK$2,119,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,500
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$129,893
−HK$3,441/mo
Today · 4.125%
HK$133,334
baseline
▲ 0.50% · 4.625%
HK$140,362
+HK$7,028/mo
Deposit HK$24.93M · loan HK$24.93M · min. income ≈ HK$266,668/mo (50% DSR)
Upfront cash ≈ HK$27.05M (deposit + AVD stamp duty HK$2,119,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,451
−HK$8,556/mo
▼ 0.25% · 3.875%
HK$140,695
−HK$4,312/mo
Today · 4.125%
HK$145,007
baseline
▲ 0.50% · 4.625%
HK$153,830
+HK$8,823/mo
Deposit HK$19.95M · loan HK$29.92M · min. income ≈ HK$290,014/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$2,119,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,800
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$155,871
−HK$4,130/mo
Today · 4.125%
HK$160,001
baseline
▲ 0.50% · 4.625%
HK$168,435
+HK$8,434/mo
Deposit HK$19.95M · loan HK$29.92M · min. income ≈ HK$320,002/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$2,119,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,192
−HK$9,983/mo
▼ 0.25% · 3.875%
HK$164,144
−HK$5,031/mo
Today · 4.125%
HK$169,175
baseline
▲ 0.50% · 4.625%
HK$179,469
+HK$10,294/mo
Deposit HK$14.96M · loan HK$34.91M · min. income ≈ HK$338,350/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$2,119,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,100
−HK$9,568/mo
▼ 0.25% · 3.875%
HK$181,850
−HK$4,818/mo
Today · 4.125%
HK$186,668
baseline
▲ 0.50% · 4.625%
HK$196,507
+HK$9,839/mo
Deposit HK$14.96M · loan HK$34.91M · min. income ≈ HK$373,336/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$2,119,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,676
−HK$12,835/mo
▼ 0.25% · 3.875%
HK$211,042
−HK$6,469/mo
Today · 4.125%
HK$217,511
baseline
▲ 0.50% · 4.625%
HK$230,746
+HK$13,235/mo
Deposit HK$4.99M · loan HK$44.88M · min. income ≈ HK$435,022/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,119,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,700
−HK$12,302/mo
▼ 0.25% · 3.875%
HK$233,807
−HK$6,195/mo
Today · 4.125%
HK$240,002
baseline
▲ 0.50% · 4.625%
HK$252,652
+HK$12,650/mo
Deposit HK$4.99M · loan HK$44.88M · min. income ≈ HK$480,004/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,119,333 · Scale 2, in force from 26 Feb 2026)