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$113,495
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,025
−HK$3,587/mo
Today · 4.125%
HK$120,612
baseline
▲ 0.50% · 4.625%
HK$127,951
+HK$7,339/mo
Deposit HK$24.89M · loan HK$24.89M · min. income ≈ HK$241,224/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$2,115,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,262
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,648
−HK$3,436/mo
Today · 4.125%
HK$133,084
baseline
▲ 0.50% · 4.625%
HK$140,099
+HK$7,015/mo
Deposit HK$24.89M · loan HK$24.89M · min. income ≈ HK$266,168/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$2,115,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,194
−HK$8,541/mo
▼ 0.25% · 3.875%
HK$140,430
−HK$4,305/mo
Today · 4.125%
HK$144,735
baseline
▲ 0.50% · 4.625%
HK$153,541
+HK$8,806/mo
Deposit HK$19.91M · loan HK$29.86M · min. income ≈ HK$289,470/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$2,115,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,514
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$155,578
−HK$4,122/mo
Today · 4.125%
HK$159,700
baseline
▲ 0.50% · 4.625%
HK$168,118
+HK$8,418/mo
Deposit HK$19.91M · loan HK$29.86M · min. income ≈ HK$319,400/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$2,115,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,893
−HK$9,964/mo
▼ 0.25% · 3.875%
HK$163,835
−HK$5,022/mo
Today · 4.125%
HK$168,857
baseline
▲ 0.50% · 4.625%
HK$179,132
+HK$10,275/mo
Deposit HK$14.93M · loan HK$34.84M · min. income ≈ HK$337,714/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$2,115,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,767
−HK$9,550/mo
▼ 0.25% · 3.875%
HK$181,508
−HK$4,809/mo
Today · 4.125%
HK$186,317
baseline
▲ 0.50% · 4.625%
HK$196,138
+HK$9,821/mo
Deposit HK$14.93M · loan HK$34.84M · min. income ≈ HK$372,634/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$2,115,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,291
−HK$12,811/mo
▼ 0.25% · 3.875%
HK$210,646
−HK$6,456/mo
Today · 4.125%
HK$217,102
baseline
▲ 0.50% · 4.625%
HK$230,312
+HK$13,210/mo
Deposit HK$4.98M · loan HK$44.80M · min. income ≈ HK$434,204/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,115,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,272
−HK$12,278/mo
▼ 0.25% · 3.875%
HK$233,367
−HK$6,183/mo
Today · 4.125%
HK$239,550
baseline
▲ 0.50% · 4.625%
HK$252,178
+HK$12,628/mo
Deposit HK$4.98M · loan HK$44.80M · min. income ≈ HK$479,100/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,115,349 · Scale 2, in force from 26 Feb 2026)