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$113,863
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$117,405
−HK$3,598/mo
Today · 4.125%
HK$121,003
baseline
▲ 0.50% · 4.625%
HK$128,366
+HK$7,363/mo
Deposit HK$24.97M · loan HK$24.97M · min. income ≈ HK$242,006/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,122,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,671
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$130,068
−HK$3,447/mo
Today · 4.125%
HK$133,515
baseline
▲ 0.50% · 4.625%
HK$140,553
+HK$7,038/mo
Deposit HK$24.97M · loan HK$24.97M · min. income ≈ HK$267,030/mo (50% DSR)
Upfront cash ≈ HK$27.09M (deposit + AVD stamp duty HK$2,122,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,635
−HK$8,569/mo
▼ 0.25% · 3.875%
HK$140,886
−HK$4,318/mo
Today · 4.125%
HK$145,204
baseline
▲ 0.50% · 4.625%
HK$154,039
+HK$8,835/mo
Deposit HK$19.97M · loan HK$29.96M · min. income ≈ HK$290,408/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$2,122,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,005
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$156,082
−HK$4,136/mo
Today · 4.125%
HK$160,218
baseline
▲ 0.50% · 4.625%
HK$168,663
+HK$8,445/mo
Deposit HK$19.97M · loan HK$29.96M · min. income ≈ HK$320,436/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$2,122,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,408
−HK$9,996/mo
▼ 0.25% · 3.875%
HK$164,366
−HK$5,038/mo
Today · 4.125%
HK$169,404
baseline
▲ 0.50% · 4.625%
HK$179,712
+HK$10,308/mo
Deposit HK$14.98M · loan HK$34.95M · min. income ≈ HK$338,808/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$2,122,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,340
−HK$9,581/mo
▼ 0.25% · 3.875%
HK$182,096
−HK$4,825/mo
Today · 4.125%
HK$186,921
baseline
▲ 0.50% · 4.625%
HK$196,774
+HK$9,853/mo
Deposit HK$14.98M · loan HK$34.95M · min. income ≈ HK$373,842/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$2,122,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,953
−HK$12,852/mo
▼ 0.25% · 3.875%
HK$211,328
−HK$6,477/mo
Today · 4.125%
HK$217,805
baseline
▲ 0.50% · 4.625%
HK$231,058
+HK$13,253/mo
Deposit HK$4.99M · loan HK$44.94M · min. income ≈ HK$435,610/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$2,122,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,008
−HK$12,319/mo
▼ 0.25% · 3.875%
HK$234,123
−HK$6,204/mo
Today · 4.125%
HK$240,327
baseline
▲ 0.50% · 4.625%
HK$252,995
+HK$12,668/mo
Deposit HK$4.99M · loan HK$44.94M · min. income ≈ HK$480,654/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$2,122,205 · Scale 2, in force from 26 Feb 2026)