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$113,626
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,160
−HK$3,591/mo
Today · 4.125%
HK$120,751
baseline
▲ 0.50% · 4.625%
HK$128,098
+HK$7,347/mo
Deposit HK$24.92M · loan HK$24.92M · min. income ≈ HK$241,502/mo (50% DSR)
Upfront cash ≈ HK$27.03M (deposit + AVD stamp duty HK$2,117,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,407
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$129,797
−HK$3,440/mo
Today · 4.125%
HK$133,237
baseline
▲ 0.50% · 4.625%
HK$140,260
+HK$7,023/mo
Deposit HK$24.92M · loan HK$24.92M · min. income ≈ HK$266,474/mo (50% DSR)
Upfront cash ≈ HK$27.03M (deposit + AVD stamp duty HK$2,117,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,351
−HK$8,550/mo
▼ 0.25% · 3.875%
HK$140,592
−HK$4,309/mo
Today · 4.125%
HK$144,901
baseline
▲ 0.50% · 4.625%
HK$153,718
+HK$8,817/mo
Deposit HK$19.93M · loan HK$29.90M · min. income ≈ HK$289,802/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,117,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,689
−HK$8,195/mo
▼ 0.25% · 3.875%
HK$155,757
−HK$4,127/mo
Today · 4.125%
HK$159,884
baseline
▲ 0.50% · 4.625%
HK$168,312
+HK$8,428/mo
Deposit HK$19.93M · loan HK$29.90M · min. income ≈ HK$319,768/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,117,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,076
−HK$9,975/mo
▼ 0.25% · 3.875%
HK$164,024
−HK$5,027/mo
Today · 4.125%
HK$169,051
baseline
▲ 0.50% · 4.625%
HK$179,338
+HK$10,287/mo
Deposit HK$14.95M · loan HK$34.88M · min. income ≈ HK$338,102/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$2,117,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,970
−HK$9,561/mo
▼ 0.25% · 3.875%
HK$181,716
−HK$4,815/mo
Today · 4.125%
HK$186,531
baseline
▲ 0.50% · 4.625%
HK$196,364
+HK$9,833/mo
Deposit HK$14.95M · loan HK$34.88M · min. income ≈ HK$373,062/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$2,117,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,526
−HK$12,826/mo
▼ 0.25% · 3.875%
HK$210,888
−HK$6,464/mo
Today · 4.125%
HK$217,352
baseline
▲ 0.50% · 4.625%
HK$230,577
+HK$13,225/mo
Deposit HK$4.98M · loan HK$44.85M · min. income ≈ HK$434,704/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,117,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,533
−HK$12,293/mo
▼ 0.25% · 3.875%
HK$233,635
−HK$6,191/mo
Today · 4.125%
HK$239,826
baseline
▲ 0.50% · 4.625%
HK$252,468
+HK$12,642/mo
Deposit HK$4.98M · loan HK$44.85M · min. income ≈ HK$479,652/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,117,782 · Scale 2, in force from 26 Feb 2026)