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$113,811
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$117,351
−HK$3,597/mo
Today · 4.125%
HK$120,948
baseline
▲ 0.50% · 4.625%
HK$128,307
+HK$7,359/mo
Deposit HK$24.96M · loan HK$24.96M · min. income ≈ HK$241,896/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,121,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,613
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,009
−HK$3,445/mo
Today · 4.125%
HK$133,454
baseline
▲ 0.50% · 4.625%
HK$140,488
+HK$7,034/mo
Deposit HK$24.96M · loan HK$24.96M · min. income ≈ HK$266,908/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,121,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,573
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$140,821
−HK$4,316/mo
Today · 4.125%
HK$145,137
baseline
▲ 0.50% · 4.625%
HK$153,969
+HK$8,832/mo
Deposit HK$19.96M · loan HK$29.95M · min. income ≈ HK$290,274/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$2,121,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,936
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$156,011
−HK$4,134/mo
Today · 4.125%
HK$160,145
baseline
▲ 0.50% · 4.625%
HK$168,586
+HK$8,441/mo
Deposit HK$19.96M · loan HK$29.95M · min. income ≈ HK$320,290/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$2,121,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,335
−HK$9,992/mo
▼ 0.25% · 3.875%
HK$164,291
−HK$5,036/mo
Today · 4.125%
HK$169,327
baseline
▲ 0.50% · 4.625%
HK$179,630
+HK$10,303/mo
Deposit HK$14.97M · loan HK$34.94M · min. income ≈ HK$338,654/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$2,121,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,259
−HK$9,576/mo
▼ 0.25% · 3.875%
HK$182,013
−HK$4,822/mo
Today · 4.125%
HK$186,835
baseline
▲ 0.50% · 4.625%
HK$196,684
+HK$9,849/mo
Deposit HK$14.97M · loan HK$34.94M · min. income ≈ HK$373,670/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$2,121,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,859
−HK$12,847/mo
▼ 0.25% · 3.875%
HK$211,232
−HK$6,474/mo
Today · 4.125%
HK$217,706
baseline
▲ 0.50% · 4.625%
HK$230,953
+HK$13,247/mo
Deposit HK$4.99M · loan HK$44.92M · min. income ≈ HK$435,412/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,121,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,904
−HK$12,313/mo
▼ 0.25% · 3.875%
HK$234,016
−HK$6,201/mo
Today · 4.125%
HK$240,217
baseline
▲ 0.50% · 4.625%
HK$252,879
+HK$12,662/mo
Deposit HK$4.99M · loan HK$44.92M · min. income ≈ HK$480,434/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,121,235 · Scale 2, in force from 26 Feb 2026)