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$113,552
−HK$7,121/mo
▼ 0.25% · 3.875%
HK$117,085
−HK$3,588/mo
Today · 4.125%
HK$120,673
baseline
▲ 0.50% · 4.625%
HK$128,016
+HK$7,343/mo
Deposit HK$24.90M · loan HK$24.90M · min. income ≈ HK$241,346/mo (50% DSR)
Upfront cash ≈ HK$27.02M (deposit + AVD stamp duty HK$2,116,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,326
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$129,714
−HK$3,437/mo
Today · 4.125%
HK$133,151
baseline
▲ 0.50% · 4.625%
HK$140,169
+HK$7,018/mo
Deposit HK$24.90M · loan HK$24.90M · min. income ≈ HK$266,302/mo (50% DSR)
Upfront cash ≈ HK$27.02M (deposit + AVD stamp duty HK$2,116,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,263
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,501
−HK$4,307/mo
Today · 4.125%
HK$144,808
baseline
▲ 0.50% · 4.625%
HK$153,619
+HK$8,811/mo
Deposit HK$19.92M · loan HK$29.88M · min. income ≈ HK$289,616/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$2,116,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,591
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$155,657
−HK$4,124/mo
Today · 4.125%
HK$159,781
baseline
▲ 0.50% · 4.625%
HK$168,203
+HK$8,422/mo
Deposit HK$19.92M · loan HK$29.88M · min. income ≈ HK$319,562/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$2,116,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,973
−HK$9,969/mo
▼ 0.25% · 3.875%
HK$163,918
−HK$5,024/mo
Today · 4.125%
HK$168,942
baseline
▲ 0.50% · 4.625%
HK$179,222
+HK$10,280/mo
Deposit HK$14.94M · loan HK$34.86M · min. income ≈ HK$337,884/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$2,116,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,856
−HK$9,555/mo
▼ 0.25% · 3.875%
HK$181,599
−HK$4,812/mo
Today · 4.125%
HK$186,411
baseline
▲ 0.50% · 4.625%
HK$196,237
+HK$9,826/mo
Deposit HK$14.94M · loan HK$34.86M · min. income ≈ HK$372,822/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$2,116,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,394
−HK$12,818/mo
▼ 0.25% · 3.875%
HK$210,752
−HK$6,460/mo
Today · 4.125%
HK$217,212
baseline
▲ 0.50% · 4.625%
HK$230,428
+HK$13,216/mo
Deposit HK$4.98M · loan HK$44.82M · min. income ≈ HK$434,424/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,116,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,387
−HK$12,285/mo
▼ 0.25% · 3.875%
HK$233,485
−HK$6,187/mo
Today · 4.125%
HK$239,672
baseline
▲ 0.50% · 4.625%
HK$252,305
+HK$12,633/mo
Deposit HK$4.98M · loan HK$44.82M · min. income ≈ HK$479,344/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,116,419 · Scale 2, in force from 26 Feb 2026)