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$113,842
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,383
−HK$3,598/mo
Today · 4.125%
HK$120,981
baseline
▲ 0.50% · 4.625%
HK$128,342
+HK$7,361/mo
Deposit HK$24.96M · loan HK$24.96M · min. income ≈ HK$241,962/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,121,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,648
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$130,045
−HK$3,446/mo
Today · 4.125%
HK$133,491
baseline
▲ 0.50% · 4.625%
HK$140,527
+HK$7,036/mo
Deposit HK$24.96M · loan HK$24.96M · min. income ≈ HK$266,982/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,121,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,610
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$140,860
−HK$4,317/mo
Today · 4.125%
HK$145,177
baseline
▲ 0.50% · 4.625%
HK$154,011
+HK$8,834/mo
Deposit HK$19.97M · loan HK$29.96M · min. income ≈ HK$290,354/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$2,121,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,978
−HK$8,211/mo
▼ 0.25% · 3.875%
HK$156,054
−HK$4,135/mo
Today · 4.125%
HK$160,189
baseline
▲ 0.50% · 4.625%
HK$168,632
+HK$8,443/mo
Deposit HK$19.97M · loan HK$29.96M · min. income ≈ HK$320,378/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$2,121,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,379
−HK$9,994/mo
▼ 0.25% · 3.875%
HK$164,336
−HK$5,037/mo
Today · 4.125%
HK$169,373
baseline
▲ 0.50% · 4.625%
HK$179,679
+HK$10,306/mo
Deposit HK$14.98M · loan HK$34.95M · min. income ≈ HK$338,746/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$2,121,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,307
−HK$9,580/mo
▼ 0.25% · 3.875%
HK$182,063
−HK$4,824/mo
Today · 4.125%
HK$186,887
baseline
▲ 0.50% · 4.625%
HK$196,738
+HK$9,851/mo
Deposit HK$14.98M · loan HK$34.95M · min. income ≈ HK$373,774/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$2,121,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,916
−HK$12,850/mo
▼ 0.25% · 3.875%
HK$211,290
−HK$6,476/mo
Today · 4.125%
HK$217,766
baseline
▲ 0.50% · 4.625%
HK$231,016
+HK$13,250/mo
Deposit HK$4.99M · loan HK$44.93M · min. income ≈ HK$435,532/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,121,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,967
−HK$12,316/mo
▼ 0.25% · 3.875%
HK$234,081
−HK$6,202/mo
Today · 4.125%
HK$240,283
baseline
▲ 0.50% · 4.625%
HK$252,949
+HK$12,666/mo
Deposit HK$4.99M · loan HK$44.93M · min. income ≈ HK$480,566/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,121,818 · Scale 2, in force from 26 Feb 2026)