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$113,805
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,345
−HK$3,596/mo
Today · 4.125%
HK$120,941
baseline
▲ 0.50% · 4.625%
HK$128,300
+HK$7,359/mo
Deposit HK$24.95M · loan HK$24.95M · min. income ≈ HK$241,882/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,121,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,607
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$130,002
−HK$3,445/mo
Today · 4.125%
HK$133,447
baseline
▲ 0.50% · 4.625%
HK$140,481
+HK$7,034/mo
Deposit HK$24.95M · loan HK$24.95M · min. income ≈ HK$266,894/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,121,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,566
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$140,814
−HK$4,316/mo
Today · 4.125%
HK$145,130
baseline
▲ 0.50% · 4.625%
HK$153,961
+HK$8,831/mo
Deposit HK$19.96M · loan HK$29.95M · min. income ≈ HK$290,260/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$2,121,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,928
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$156,003
−HK$4,133/mo
Today · 4.125%
HK$160,136
baseline
▲ 0.50% · 4.625%
HK$168,577
+HK$8,441/mo
Deposit HK$19.96M · loan HK$29.95M · min. income ≈ HK$320,272/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$2,121,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,327
−HK$9,991/mo
▼ 0.25% · 3.875%
HK$164,283
−HK$5,035/mo
Today · 4.125%
HK$169,318
baseline
▲ 0.50% · 4.625%
HK$179,621
+HK$10,303/mo
Deposit HK$14.97M · loan HK$34.94M · min. income ≈ HK$338,636/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$2,121,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,250
−HK$9,576/mo
▼ 0.25% · 3.875%
HK$182,003
−HK$4,823/mo
Today · 4.125%
HK$186,826
baseline
▲ 0.50% · 4.625%
HK$196,674
+HK$9,848/mo
Deposit HK$14.97M · loan HK$34.94M · min. income ≈ HK$373,652/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$2,121,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,849
−HK$12,846/mo
▼ 0.25% · 3.875%
HK$211,221
−HK$6,474/mo
Today · 4.125%
HK$217,695
baseline
▲ 0.50% · 4.625%
HK$230,941
+HK$13,246/mo
Deposit HK$4.99M · loan HK$44.92M · min. income ≈ HK$435,390/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,121,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,892
−HK$12,313/mo
▼ 0.25% · 3.875%
HK$234,004
−HK$6,201/mo
Today · 4.125%
HK$240,205
baseline
▲ 0.50% · 4.625%
HK$252,866
+HK$12,661/mo
Deposit HK$4.99M · loan HK$44.92M · min. income ≈ HK$480,410/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,121,125 · Scale 2, in force from 26 Feb 2026)