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$113,925
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$117,469
−HK$3,600/mo
Today · 4.125%
HK$121,069
baseline
▲ 0.50% · 4.625%
HK$128,436
+HK$7,367/mo
Deposit HK$24.98M · loan HK$24.98M · min. income ≈ HK$242,138/mo (50% DSR)
Upfront cash ≈ HK$27.10M (deposit + AVD stamp duty HK$2,123,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,741
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$130,140
−HK$3,448/mo
Today · 4.125%
HK$133,588
baseline
▲ 0.50% · 4.625%
HK$140,630
+HK$7,042/mo
Deposit HK$24.98M · loan HK$24.98M · min. income ≈ HK$267,176/mo (50% DSR)
Upfront cash ≈ HK$27.10M (deposit + AVD stamp duty HK$2,123,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,710
−HK$8,573/mo
▼ 0.25% · 3.875%
HK$140,963
−HK$4,320/mo
Today · 4.125%
HK$145,283
baseline
▲ 0.50% · 4.625%
HK$154,123
+HK$8,840/mo
Deposit HK$19.98M · loan HK$29.98M · min. income ≈ HK$290,566/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$2,123,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,089
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$156,168
−HK$4,138/mo
Today · 4.125%
HK$160,306
baseline
▲ 0.50% · 4.625%
HK$168,756
+HK$8,450/mo
Deposit HK$19.98M · loan HK$29.98M · min. income ≈ HK$320,612/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$2,123,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,495
−HK$10,002/mo
▼ 0.25% · 3.875%
HK$164,456
−HK$5,041/mo
Today · 4.125%
HK$169,497
baseline
▲ 0.50% · 4.625%
HK$179,810
+HK$10,313/mo
Deposit HK$14.99M · loan HK$34.97M · min. income ≈ HK$338,994/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$2,123,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,437
−HK$9,586/mo
▼ 0.25% · 3.875%
HK$182,196
−HK$4,827/mo
Today · 4.125%
HK$187,023
baseline
▲ 0.50% · 4.625%
HK$196,881
+HK$9,858/mo
Deposit HK$14.99M · loan HK$34.97M · min. income ≈ HK$374,046/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$2,123,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,065
−HK$12,860/mo
▼ 0.25% · 3.875%
HK$211,444
−HK$6,481/mo
Today · 4.125%
HK$217,925
baseline
▲ 0.50% · 4.625%
HK$231,185
+HK$13,260/mo
Deposit HK$5.00M · loan HK$44.97M · min. income ≈ HK$435,850/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$2,123,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,133
−HK$12,325/mo
▼ 0.25% · 3.875%
HK$234,251
−HK$6,207/mo
Today · 4.125%
HK$240,458
baseline
▲ 0.50% · 4.625%
HK$253,133
+HK$12,675/mo
Deposit HK$5.00M · loan HK$44.97M · min. income ≈ HK$480,916/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$2,123,366 · Scale 2, in force from 26 Feb 2026)