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$113,753
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$117,291
−HK$3,595/mo
Today · 4.125%
HK$120,886
baseline
▲ 0.50% · 4.625%
HK$128,242
+HK$7,356/mo
Deposit HK$24.94M · loan HK$24.94M · min. income ≈ HK$241,772/mo (50% DSR)
Upfront cash ≈ HK$27.06M (deposit + AVD stamp duty HK$2,120,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,549
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$129,943
−HK$3,443/mo
Today · 4.125%
HK$133,386
baseline
▲ 0.50% · 4.625%
HK$140,417
+HK$7,031/mo
Deposit HK$24.94M · loan HK$24.94M · min. income ≈ HK$266,772/mo (50% DSR)
Upfront cash ≈ HK$27.06M (deposit + AVD stamp duty HK$2,120,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,504
−HK$8,560/mo
▼ 0.25% · 3.875%
HK$140,750
−HK$4,314/mo
Today · 4.125%
HK$145,064
baseline
▲ 0.50% · 4.625%
HK$153,890
+HK$8,826/mo
Deposit HK$19.95M · loan HK$29.93M · min. income ≈ HK$290,128/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$2,120,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,859
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$155,932
−HK$4,131/mo
Today · 4.125%
HK$160,063
baseline
▲ 0.50% · 4.625%
HK$168,501
+HK$8,438/mo
Deposit HK$19.95M · loan HK$29.93M · min. income ≈ HK$320,126/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$2,120,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,254
−HK$9,987/mo
▼ 0.25% · 3.875%
HK$164,208
−HK$5,033/mo
Today · 4.125%
HK$169,241
baseline
▲ 0.50% · 4.625%
HK$179,539
+HK$10,298/mo
Deposit HK$14.97M · loan HK$34.92M · min. income ≈ HK$338,482/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$2,120,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,169
−HK$9,572/mo
▼ 0.25% · 3.875%
HK$181,920
−HK$4,821/mo
Today · 4.125%
HK$186,741
baseline
▲ 0.50% · 4.625%
HK$196,584
+HK$9,843/mo
Deposit HK$14.97M · loan HK$34.92M · min. income ≈ HK$373,482/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$2,120,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,756
−HK$12,839/mo
▼ 0.25% · 3.875%
HK$211,125
−HK$6,470/mo
Today · 4.125%
HK$217,595
baseline
▲ 0.50% · 4.625%
HK$230,836
+HK$13,241/mo
Deposit HK$4.99M · loan HK$44.90M · min. income ≈ HK$435,190/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,120,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,788
−HK$12,307/mo
▼ 0.25% · 3.875%
HK$233,898
−HK$6,197/mo
Today · 4.125%
HK$240,095
baseline
▲ 0.50% · 4.625%
HK$252,751
+HK$12,656/mo
Deposit HK$4.99M · loan HK$44.90M · min. income ≈ HK$480,190/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,120,159 · Scale 2, in force from 26 Feb 2026)