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$113,763
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$117,302
−HK$3,595/mo
Today · 4.125%
HK$120,897
baseline
▲ 0.50% · 4.625%
HK$128,253
+HK$7,356/mo
Deposit HK$24.95M · loan HK$24.95M · min. income ≈ HK$241,794/mo (50% DSR)
Upfront cash ≈ HK$27.07M (deposit + AVD stamp duty HK$2,120,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,560
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,954
−HK$3,444/mo
Today · 4.125%
HK$133,398
baseline
▲ 0.50% · 4.625%
HK$140,429
+HK$7,031/mo
Deposit HK$24.95M · loan HK$24.95M · min. income ≈ HK$266,796/mo (50% DSR)
Upfront cash ≈ HK$27.07M (deposit + AVD stamp duty HK$2,120,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,515
−HK$8,561/mo
▼ 0.25% · 3.875%
HK$140,762
−HK$4,314/mo
Today · 4.125%
HK$145,076
baseline
▲ 0.50% · 4.625%
HK$153,904
+HK$8,828/mo
Deposit HK$19.96M · loan HK$29.93M · min. income ≈ HK$290,152/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$2,120,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,872
−HK$8,205/mo
▼ 0.25% · 3.875%
HK$155,945
−HK$4,132/mo
Today · 4.125%
HK$160,077
baseline
▲ 0.50% · 4.625%
HK$168,515
+HK$8,438/mo
Deposit HK$19.96M · loan HK$29.93M · min. income ≈ HK$320,154/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$2,120,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,268
−HK$9,987/mo
▼ 0.25% · 3.875%
HK$164,222
−HK$5,033/mo
Today · 4.125%
HK$169,255
baseline
▲ 0.50% · 4.625%
HK$179,554
+HK$10,299/mo
Deposit HK$14.97M · loan HK$34.92M · min. income ≈ HK$338,510/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$2,120,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,184
−HK$9,573/mo
▼ 0.25% · 3.875%
HK$181,936
−HK$4,821/mo
Today · 4.125%
HK$186,757
baseline
▲ 0.50% · 4.625%
HK$196,601
+HK$9,844/mo
Deposit HK$14.97M · loan HK$34.92M · min. income ≈ HK$373,514/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$2,120,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,773
−HK$12,841/mo
▼ 0.25% · 3.875%
HK$211,143
−HK$6,471/mo
Today · 4.125%
HK$217,614
baseline
▲ 0.50% · 4.625%
HK$230,856
+HK$13,242/mo
Deposit HK$4.99M · loan HK$44.90M · min. income ≈ HK$435,228/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,120,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,808
−HK$12,308/mo
▼ 0.25% · 3.875%
HK$233,918
−HK$6,198/mo
Today · 4.125%
HK$240,116
baseline
▲ 0.50% · 4.625%
HK$252,773
+HK$12,657/mo
Deposit HK$4.99M · loan HK$44.90M · min. income ≈ HK$480,232/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,120,341 · Scale 2, in force from 26 Feb 2026)