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$113,450
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$116,979
−HK$3,585/mo
Today · 4.125%
HK$120,564
baseline
▲ 0.50% · 4.625%
HK$127,900
+HK$7,336/mo
Deposit HK$24.88M · loan HK$24.88M · min. income ≈ HK$241,128/mo (50% DSR)
Upfront cash ≈ HK$26.99M (deposit + AVD stamp duty HK$2,114,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,212
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$129,597
−HK$3,434/mo
Today · 4.125%
HK$133,031
baseline
▲ 0.50% · 4.625%
HK$140,043
+HK$7,012/mo
Deposit HK$24.88M · loan HK$24.88M · min. income ≈ HK$266,062/mo (50% DSR)
Upfront cash ≈ HK$26.99M (deposit + AVD stamp duty HK$2,114,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,140
−HK$8,537/mo
▼ 0.25% · 3.875%
HK$140,374
−HK$4,303/mo
Today · 4.125%
HK$144,677
baseline
▲ 0.50% · 4.625%
HK$153,480
+HK$8,803/mo
Deposit HK$19.90M · loan HK$29.85M · min. income ≈ HK$289,354/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$2,114,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,454
−HK$8,183/mo
▼ 0.25% · 3.875%
HK$155,516
−HK$4,121/mo
Today · 4.125%
HK$159,637
baseline
▲ 0.50% · 4.625%
HK$168,051
+HK$8,414/mo
Deposit HK$19.90M · loan HK$29.85M · min. income ≈ HK$319,274/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$2,114,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,830
−HK$9,960/mo
▼ 0.25% · 3.875%
HK$163,770
−HK$5,020/mo
Today · 4.125%
HK$168,790
baseline
▲ 0.50% · 4.625%
HK$179,060
+HK$10,270/mo
Deposit HK$14.93M · loan HK$34.83M · min. income ≈ HK$337,580/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$2,114,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,696
−HK$9,547/mo
▼ 0.25% · 3.875%
HK$181,435
−HK$4,808/mo
Today · 4.125%
HK$186,243
baseline
▲ 0.50% · 4.625%
HK$196,060
+HK$9,817/mo
Deposit HK$14.93M · loan HK$34.83M · min. income ≈ HK$372,486/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$2,114,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,210
−HK$12,805/mo
▼ 0.25% · 3.875%
HK$210,562
−HK$6,453/mo
Today · 4.125%
HK$217,015
baseline
▲ 0.50% · 4.625%
HK$230,220
+HK$13,205/mo
Deposit HK$4.98M · loan HK$44.78M · min. income ≈ HK$434,030/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,114,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,181
−HK$12,274/mo
▼ 0.25% · 3.875%
HK$233,274
−HK$6,181/mo
Today · 4.125%
HK$239,455
baseline
▲ 0.50% · 4.625%
HK$252,077
+HK$12,622/mo
Deposit HK$4.98M · loan HK$44.78M · min. income ≈ HK$478,910/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,114,506 · Scale 2, in force from 26 Feb 2026)