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$113,643
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$117,178
−HK$3,592/mo
Today · 4.125%
HK$120,770
baseline
▲ 0.50% · 4.625%
HK$128,118
+HK$7,348/mo
Deposit HK$24.92M · loan HK$24.92M · min. income ≈ HK$241,540/mo (50% DSR)
Upfront cash ≈ HK$27.04M (deposit + AVD stamp duty HK$2,118,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,427
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$129,818
−HK$3,439/mo
Today · 4.125%
HK$133,257
baseline
▲ 0.50% · 4.625%
HK$140,282
+HK$7,025/mo
Deposit HK$24.92M · loan HK$24.92M · min. income ≈ HK$266,514/mo (50% DSR)
Upfront cash ≈ HK$27.04M (deposit + AVD stamp duty HK$2,118,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,372
−HK$8,552/mo
▼ 0.25% · 3.875%
HK$140,614
−HK$4,310/mo
Today · 4.125%
HK$144,924
baseline
▲ 0.50% · 4.625%
HK$153,742
+HK$8,818/mo
Deposit HK$19.94M · loan HK$29.90M · min. income ≈ HK$289,848/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,118,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,712
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$155,781
−HK$4,128/mo
Today · 4.125%
HK$159,909
baseline
▲ 0.50% · 4.625%
HK$168,338
+HK$8,429/mo
Deposit HK$19.94M · loan HK$29.90M · min. income ≈ HK$319,818/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,118,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,100
−HK$9,977/mo
▼ 0.25% · 3.875%
HK$164,049
−HK$5,028/mo
Today · 4.125%
HK$169,077
baseline
▲ 0.50% · 4.625%
HK$179,365
+HK$10,288/mo
Deposit HK$14.95M · loan HK$34.89M · min. income ≈ HK$338,154/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$2,118,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,998
−HK$9,562/mo
▼ 0.25% · 3.875%
HK$181,745
−HK$4,815/mo
Today · 4.125%
HK$186,560
baseline
▲ 0.50% · 4.625%
HK$196,394
+HK$9,834/mo
Deposit HK$14.95M · loan HK$34.89M · min. income ≈ HK$373,120/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$2,118,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,558
−HK$12,827/mo
▼ 0.25% · 3.875%
HK$210,921
−HK$6,464/mo
Today · 4.125%
HK$217,385
baseline
▲ 0.50% · 4.625%
HK$230,613
+HK$13,228/mo
Deposit HK$4.98M · loan HK$44.85M · min. income ≈ HK$434,770/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,118,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,568
−HK$12,295/mo
▼ 0.25% · 3.875%
HK$233,672
−HK$6,191/mo
Today · 4.125%
HK$239,863
baseline
▲ 0.50% · 4.625%
HK$252,507
+HK$12,644/mo
Deposit HK$4.98M · loan HK$44.85M · min. income ≈ HK$479,726/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,118,111 · Scale 2, in force from 26 Feb 2026)