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$113,534
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$117,066
−HK$3,588/mo
Today · 4.125%
HK$120,654
baseline
▲ 0.50% · 4.625%
HK$127,995
+HK$7,341/mo
Deposit HK$24.90M · loan HK$24.90M · min. income ≈ HK$241,308/mo (50% DSR)
Upfront cash ≈ HK$27.01M (deposit + AVD stamp duty HK$2,116,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,306
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,693
−HK$3,436/mo
Today · 4.125%
HK$133,129
baseline
▲ 0.50% · 4.625%
HK$140,147
+HK$7,018/mo
Deposit HK$24.90M · loan HK$24.90M · min. income ≈ HK$266,258/mo (50% DSR)
Upfront cash ≈ HK$27.01M (deposit + AVD stamp duty HK$2,116,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,241
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$140,479
−HK$4,305/mo
Today · 4.125%
HK$144,784
baseline
▲ 0.50% · 4.625%
HK$153,594
+HK$8,810/mo
Deposit HK$19.92M · loan HK$29.87M · min. income ≈ HK$289,568/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$2,116,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,567
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$155,632
−HK$4,123/mo
Today · 4.125%
HK$159,755
baseline
▲ 0.50% · 4.625%
HK$168,176
+HK$8,421/mo
Deposit HK$19.92M · loan HK$29.87M · min. income ≈ HK$319,510/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$2,116,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,948
−HK$9,967/mo
▼ 0.25% · 3.875%
HK$163,892
−HK$5,023/mo
Today · 4.125%
HK$168,915
baseline
▲ 0.50% · 4.625%
HK$179,193
+HK$10,278/mo
Deposit HK$14.94M · loan HK$34.85M · min. income ≈ HK$337,830/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$2,116,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,828
−HK$9,553/mo
▼ 0.25% · 3.875%
HK$181,570
−HK$4,811/mo
Today · 4.125%
HK$186,381
baseline
▲ 0.50% · 4.625%
HK$196,206
+HK$9,825/mo
Deposit HK$14.94M · loan HK$34.85M · min. income ≈ HK$372,762/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$2,116,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,361
−HK$12,816/mo
▼ 0.25% · 3.875%
HK$210,718
−HK$6,459/mo
Today · 4.125%
HK$217,177
baseline
▲ 0.50% · 4.625%
HK$230,391
+HK$13,214/mo
Deposit HK$4.98M · loan HK$44.81M · min. income ≈ HK$434,354/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,116,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,350
−HK$12,283/mo
▼ 0.25% · 3.875%
HK$233,447
−HK$6,186/mo
Today · 4.125%
HK$239,633
baseline
▲ 0.50% · 4.625%
HK$252,264
+HK$12,631/mo
Deposit HK$4.98M · loan HK$44.81M · min. income ≈ HK$479,266/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,116,078 · Scale 2, in force from 26 Feb 2026)