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$113,728
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$117,265
−HK$3,594/mo
Today · 4.125%
HK$120,859
baseline
▲ 0.50% · 4.625%
HK$128,213
+HK$7,354/mo
Deposit HK$24.94M · loan HK$24.94M · min. income ≈ HK$241,718/mo (50% DSR)
Upfront cash ≈ HK$27.06M (deposit + AVD stamp duty HK$2,119,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,521
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,914
−HK$3,442/mo
Today · 4.125%
HK$133,356
baseline
▲ 0.50% · 4.625%
HK$140,386
+HK$7,030/mo
Deposit HK$24.94M · loan HK$24.94M · min. income ≈ HK$266,712/mo (50% DSR)
Upfront cash ≈ HK$27.06M (deposit + AVD stamp duty HK$2,119,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,473
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$140,718
−HK$4,313/mo
Today · 4.125%
HK$145,031
baseline
▲ 0.50% · 4.625%
HK$153,856
+HK$8,825/mo
Deposit HK$19.95M · loan HK$29.92M · min. income ≈ HK$290,062/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$2,119,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,825
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$155,897
−HK$4,131/mo
Today · 4.125%
HK$160,028
baseline
▲ 0.50% · 4.625%
HK$168,463
+HK$8,435/mo
Deposit HK$19.95M · loan HK$29.92M · min. income ≈ HK$320,056/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$2,119,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,219
−HK$9,984/mo
▼ 0.25% · 3.875%
HK$164,171
−HK$5,032/mo
Today · 4.125%
HK$169,203
baseline
▲ 0.50% · 4.625%
HK$179,499
+HK$10,296/mo
Deposit HK$14.96M · loan HK$34.91M · min. income ≈ HK$338,406/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$2,119,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,129
−HK$9,570/mo
▼ 0.25% · 3.875%
HK$181,880
−HK$4,819/mo
Today · 4.125%
HK$186,699
baseline
▲ 0.50% · 4.625%
HK$196,540
+HK$9,841/mo
Deposit HK$14.96M · loan HK$34.91M · min. income ≈ HK$373,398/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$2,119,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,710
−HK$12,837/mo
▼ 0.25% · 3.875%
HK$211,078
−HK$6,469/mo
Today · 4.125%
HK$217,547
baseline
▲ 0.50% · 4.625%
HK$230,784
+HK$13,237/mo
Deposit HK$4.99M · loan HK$44.89M · min. income ≈ HK$435,094/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,119,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,738
−HK$12,304/mo
▼ 0.25% · 3.875%
HK$233,845
−HK$6,197/mo
Today · 4.125%
HK$240,042
baseline
▲ 0.50% · 4.625%
HK$252,695
+HK$12,653/mo
Deposit HK$4.99M · loan HK$44.89M · min. income ≈ HK$480,084/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,119,687 · Scale 2, in force from 26 Feb 2026)