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$113,705
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,242
−HK$3,593/mo
Today · 4.125%
HK$120,835
baseline
▲ 0.50% · 4.625%
HK$128,187
+HK$7,352/mo
Deposit HK$24.93M · loan HK$24.93M · min. income ≈ HK$241,670/mo (50% DSR)
Upfront cash ≈ HK$27.05M (deposit + AVD stamp duty HK$2,119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,495
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$129,888
−HK$3,441/mo
Today · 4.125%
HK$133,329
baseline
▲ 0.50% · 4.625%
HK$140,357
+HK$7,028/mo
Deposit HK$24.93M · loan HK$24.93M · min. income ≈ HK$266,658/mo (50% DSR)
Upfront cash ≈ HK$27.05M (deposit + AVD stamp duty HK$2,119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,446
−HK$8,556/mo
▼ 0.25% · 3.875%
HK$140,690
−HK$4,312/mo
Today · 4.125%
HK$145,002
baseline
▲ 0.50% · 4.625%
HK$153,825
+HK$8,823/mo
Deposit HK$19.95M · loan HK$29.92M · min. income ≈ HK$290,004/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$2,119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,794
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$155,865
−HK$4,130/mo
Today · 4.125%
HK$159,995
baseline
▲ 0.50% · 4.625%
HK$168,429
+HK$8,434/mo
Deposit HK$19.95M · loan HK$29.92M · min. income ≈ HK$319,990/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$2,119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,187
−HK$9,982/mo
▼ 0.25% · 3.875%
HK$164,138
−HK$5,031/mo
Today · 4.125%
HK$169,169
baseline
▲ 0.50% · 4.625%
HK$179,462
+HK$10,293/mo
Deposit HK$14.96M · loan HK$34.91M · min. income ≈ HK$338,338/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$2,119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,093
−HK$9,568/mo
▼ 0.25% · 3.875%
HK$181,843
−HK$4,818/mo
Today · 4.125%
HK$186,661
baseline
▲ 0.50% · 4.625%
HK$196,500
+HK$9,839/mo
Deposit HK$14.96M · loan HK$34.91M · min. income ≈ HK$373,322/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$2,119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,668
−HK$12,835/mo
▼ 0.25% · 3.875%
HK$211,035
−HK$6,468/mo
Today · 4.125%
HK$217,503
baseline
▲ 0.50% · 4.625%
HK$230,737
+HK$13,234/mo
Deposit HK$4.99M · loan HK$44.88M · min. income ≈ HK$435,006/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,692
−HK$12,301/mo
▼ 0.25% · 3.875%
HK$233,798
−HK$6,195/mo
Today · 4.125%
HK$239,993
baseline
▲ 0.50% · 4.625%
HK$252,643
+HK$12,650/mo
Deposit HK$4.99M · loan HK$44.88M · min. income ≈ HK$479,986/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,119,257 · Scale 2, in force from 26 Feb 2026)