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$113,931
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,475
−HK$3,601/mo
Today · 4.125%
HK$121,076
baseline
▲ 0.50% · 4.625%
HK$128,443
+HK$7,367/mo
Deposit HK$24.98M · loan HK$24.98M · min. income ≈ HK$242,152/mo (50% DSR)
Upfront cash ≈ HK$27.11M (deposit + AVD stamp duty HK$2,123,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,747
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,147
−HK$3,448/mo
Today · 4.125%
HK$133,595
baseline
▲ 0.50% · 4.625%
HK$140,637
+HK$7,042/mo
Deposit HK$24.98M · loan HK$24.98M · min. income ≈ HK$267,190/mo (50% DSR)
Upfront cash ≈ HK$27.11M (deposit + AVD stamp duty HK$2,123,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,717
−HK$8,574/mo
▼ 0.25% · 3.875%
HK$140,970
−HK$4,321/mo
Today · 4.125%
HK$145,291
baseline
▲ 0.50% · 4.625%
HK$154,131
+HK$8,840/mo
Deposit HK$19.99M · loan HK$29.98M · min. income ≈ HK$290,582/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$2,123,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,097
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$156,176
−HK$4,138/mo
Today · 4.125%
HK$160,314
baseline
▲ 0.50% · 4.625%
HK$168,764
+HK$8,450/mo
Deposit HK$19.99M · loan HK$29.98M · min. income ≈ HK$320,628/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$2,123,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,504
−HK$10,002/mo
▼ 0.25% · 3.875%
HK$164,465
−HK$5,041/mo
Today · 4.125%
HK$169,506
baseline
▲ 0.50% · 4.625%
HK$179,820
+HK$10,314/mo
Deposit HK$14.99M · loan HK$34.97M · min. income ≈ HK$339,012/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$2,123,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,446
−HK$9,587/mo
▼ 0.25% · 3.875%
HK$182,205
−HK$4,828/mo
Today · 4.125%
HK$187,033
baseline
▲ 0.50% · 4.625%
HK$196,892
+HK$9,859/mo
Deposit HK$14.99M · loan HK$34.97M · min. income ≈ HK$374,066/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$2,123,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,076
−HK$12,860/mo
▼ 0.25% · 3.875%
HK$211,455
−HK$6,481/mo
Today · 4.125%
HK$217,936
baseline
▲ 0.50% · 4.625%
HK$231,197
+HK$13,261/mo
Deposit HK$5.00M · loan HK$44.97M · min. income ≈ HK$435,872/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$2,123,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,145
−HK$12,326/mo
▼ 0.25% · 3.875%
HK$234,264
−HK$6,207/mo
Today · 4.125%
HK$240,471
baseline
▲ 0.50% · 4.625%
HK$253,147
+HK$12,676/mo
Deposit HK$5.00M · loan HK$44.97M · min. income ≈ HK$480,942/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$2,123,478 · Scale 2, in force from 26 Feb 2026)