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$113,605
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$117,139
−HK$3,590/mo
Today · 4.125%
HK$120,729
baseline
▲ 0.50% · 4.625%
HK$128,075
+HK$7,346/mo
Deposit HK$24.91M · loan HK$24.91M · min. income ≈ HK$241,458/mo (50% DSR)
Upfront cash ≈ HK$27.03M (deposit + AVD stamp duty HK$2,117,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,384
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$129,774
−HK$3,438/mo
Today · 4.125%
HK$133,212
baseline
▲ 0.50% · 4.625%
HK$140,234
+HK$7,022/mo
Deposit HK$24.91M · loan HK$24.91M · min. income ≈ HK$266,424/mo (50% DSR)
Upfront cash ≈ HK$27.03M (deposit + AVD stamp duty HK$2,117,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,326
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$140,566
−HK$4,309/mo
Today · 4.125%
HK$144,875
baseline
▲ 0.50% · 4.625%
HK$153,690
+HK$8,815/mo
Deposit HK$19.93M · loan HK$29.89M · min. income ≈ HK$289,750/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,117,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,661
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$155,729
−HK$4,126/mo
Today · 4.125%
HK$159,855
baseline
▲ 0.50% · 4.625%
HK$168,281
+HK$8,426/mo
Deposit HK$19.93M · loan HK$29.89M · min. income ≈ HK$319,710/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,117,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,047
−HK$9,974/mo
▼ 0.25% · 3.875%
HK$163,994
−HK$5,027/mo
Today · 4.125%
HK$169,021
baseline
▲ 0.50% · 4.625%
HK$179,305
+HK$10,284/mo
Deposit HK$14.95M · loan HK$34.87M · min. income ≈ HK$338,042/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$2,117,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,938
−HK$9,559/mo
▼ 0.25% · 3.875%
HK$181,683
−HK$4,814/mo
Today · 4.125%
HK$186,497
baseline
▲ 0.50% · 4.625%
HK$196,328
+HK$9,831/mo
Deposit HK$14.95M · loan HK$34.87M · min. income ≈ HK$372,994/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$2,117,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,489
−HK$12,823/mo
▼ 0.25% · 3.875%
HK$210,850
−HK$6,462/mo
Today · 4.125%
HK$217,312
baseline
▲ 0.50% · 4.625%
HK$230,535
+HK$13,223/mo
Deposit HK$4.98M · loan HK$44.84M · min. income ≈ HK$434,624/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,117,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,492
−HK$12,290/mo
▼ 0.25% · 3.875%
HK$233,593
−HK$6,189/mo
Today · 4.125%
HK$239,782
baseline
▲ 0.50% · 4.625%
HK$252,422
+HK$12,640/mo
Deposit HK$4.98M · loan HK$44.84M · min. income ≈ HK$479,564/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,117,398 · Scale 2, in force from 26 Feb 2026)