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$113,502
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,033
−HK$3,587/mo
Today · 4.125%
HK$120,620
baseline
▲ 0.50% · 4.625%
HK$127,959
+HK$7,339/mo
Deposit HK$24.89M · loan HK$24.89M · min. income ≈ HK$241,240/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$2,115,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,270
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,657
−HK$3,435/mo
Today · 4.125%
HK$133,092
baseline
▲ 0.50% · 4.625%
HK$140,107
+HK$7,015/mo
Deposit HK$24.89M · loan HK$24.89M · min. income ≈ HK$266,184/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$2,115,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,203
−HK$8,541/mo
▼ 0.25% · 3.875%
HK$140,439
−HK$4,305/mo
Today · 4.125%
HK$144,744
baseline
▲ 0.50% · 4.625%
HK$153,551
+HK$8,807/mo
Deposit HK$19.91M · loan HK$29.87M · min. income ≈ HK$289,488/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$2,115,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,524
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$155,588
−HK$4,122/mo
Today · 4.125%
HK$159,710
baseline
▲ 0.50% · 4.625%
HK$168,129
+HK$8,419/mo
Deposit HK$19.91M · loan HK$29.87M · min. income ≈ HK$319,420/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$2,115,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,903
−HK$9,965/mo
▼ 0.25% · 3.875%
HK$163,846
−HK$5,022/mo
Today · 4.125%
HK$168,868
baseline
▲ 0.50% · 4.625%
HK$179,143
+HK$10,275/mo
Deposit HK$14.93M · loan HK$34.84M · min. income ≈ HK$337,736/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$2,115,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,778
−HK$9,551/mo
▼ 0.25% · 3.875%
HK$181,519
−HK$4,810/mo
Today · 4.125%
HK$186,329
baseline
▲ 0.50% · 4.625%
HK$196,150
+HK$9,821/mo
Deposit HK$14.93M · loan HK$34.84M · min. income ≈ HK$372,658/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$2,115,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,304
−HK$12,812/mo
▼ 0.25% · 3.875%
HK$210,659
−HK$6,457/mo
Today · 4.125%
HK$217,116
baseline
▲ 0.50% · 4.625%
HK$230,326
+HK$13,210/mo
Deposit HK$4.98M · loan HK$44.80M · min. income ≈ HK$434,232/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,115,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,286
−HK$12,280/mo
▼ 0.25% · 3.875%
HK$233,382
−HK$6,184/mo
Today · 4.125%
HK$239,566
baseline
▲ 0.50% · 4.625%
HK$252,193
+HK$12,627/mo
Deposit HK$4.98M · loan HK$44.80M · min. income ≈ HK$479,132/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,115,483 · Scale 2, in force from 26 Feb 2026)