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$113,560
−HK$7,121/mo
▼ 0.25% · 3.875%
HK$117,092
−HK$3,589/mo
Today · 4.125%
HK$120,681
baseline
▲ 0.50% · 4.625%
HK$128,024
+HK$7,343/mo
Deposit HK$24.90M · loan HK$24.90M · min. income ≈ HK$241,362/mo (50% DSR)
Upfront cash ≈ HK$27.02M (deposit + AVD stamp duty HK$2,116,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,334
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$129,722
−HK$3,437/mo
Today · 4.125%
HK$133,159
baseline
▲ 0.50% · 4.625%
HK$140,178
+HK$7,019/mo
Deposit HK$24.90M · loan HK$24.90M · min. income ≈ HK$266,318/mo (50% DSR)
Upfront cash ≈ HK$27.02M (deposit + AVD stamp duty HK$2,116,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,272
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,510
−HK$4,307/mo
Today · 4.125%
HK$144,817
baseline
▲ 0.50% · 4.625%
HK$153,629
+HK$8,812/mo
Deposit HK$19.92M · loan HK$29.88M · min. income ≈ HK$289,634/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$2,116,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,601
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$155,667
−HK$4,124/mo
Today · 4.125%
HK$159,791
baseline
▲ 0.50% · 4.625%
HK$168,214
+HK$8,423/mo
Deposit HK$19.92M · loan HK$29.88M · min. income ≈ HK$319,582/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$2,116,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,984
−HK$9,969/mo
▼ 0.25% · 3.875%
HK$163,929
−HK$5,024/mo
Today · 4.125%
HK$168,953
baseline
▲ 0.50% · 4.625%
HK$179,234
+HK$10,281/mo
Deposit HK$14.94M · loan HK$34.86M · min. income ≈ HK$337,906/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$2,116,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,868
−HK$9,555/mo
▼ 0.25% · 3.875%
HK$181,611
−HK$4,812/mo
Today · 4.125%
HK$186,423
baseline
▲ 0.50% · 4.625%
HK$196,250
+HK$9,827/mo
Deposit HK$14.94M · loan HK$34.86M · min. income ≈ HK$372,846/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$2,116,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,407
−HK$12,819/mo
▼ 0.25% · 3.875%
HK$210,766
−HK$6,460/mo
Today · 4.125%
HK$217,226
baseline
▲ 0.50% · 4.625%
HK$230,443
+HK$13,217/mo
Deposit HK$4.98M · loan HK$44.82M · min. income ≈ HK$434,452/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,116,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,401
−HK$12,286/mo
▼ 0.25% · 3.875%
HK$233,500
−HK$6,187/mo
Today · 4.125%
HK$239,687
baseline
▲ 0.50% · 4.625%
HK$252,321
+HK$12,634/mo
Deposit HK$4.98M · loan HK$44.82M · min. income ≈ HK$479,374/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,116,555 · Scale 2, in force from 26 Feb 2026)