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$118,333
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$122,014
−HK$3,740/mo
Today · 4.125%
HK$125,754
baseline
▲ 0.50% · 4.625%
HK$133,405
+HK$7,651/mo
Deposit HK$25.95M · loan HK$25.95M · min. income ≈ HK$251,508/mo (50% DSR)
Upfront cash ≈ HK$28.15M (deposit + AVD stamp duty HK$2,205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,644
−HK$7,113/mo
▼ 0.25% · 3.875%
HK$135,175
−HK$3,582/mo
Today · 4.125%
HK$138,757
baseline
▲ 0.50% · 4.625%
HK$146,071
+HK$7,314/mo
Deposit HK$25.95M · loan HK$25.95M · min. income ≈ HK$277,514/mo (50% DSR)
Upfront cash ≈ HK$28.15M (deposit + AVD stamp duty HK$2,205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,000
−HK$8,904/mo
▼ 0.25% · 3.875%
HK$146,417
−HK$4,487/mo
Today · 4.125%
HK$150,904
baseline
▲ 0.50% · 4.625%
HK$160,086
+HK$9,182/mo
Deposit HK$20.76M · loan HK$31.14M · min. income ≈ HK$301,808/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$2,205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,973
−HK$8,535/mo
▼ 0.25% · 3.875%
HK$162,210
−HK$4,298/mo
Today · 4.125%
HK$166,508
baseline
▲ 0.50% · 4.625%
HK$175,285
+HK$8,777/mo
Deposit HK$20.76M · loan HK$31.14M · min. income ≈ HK$333,016/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$2,205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,666
−HK$10,389/mo
▼ 0.25% · 3.875%
HK$170,819
−HK$5,236/mo
Today · 4.125%
HK$176,055
baseline
▲ 0.50% · 4.625%
HK$186,767
+HK$10,712/mo
Deposit HK$15.57M · loan HK$36.33M · min. income ≈ HK$352,110/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$2,205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,302
−HK$9,957/mo
▼ 0.25% · 3.875%
HK$189,245
−HK$5,014/mo
Today · 4.125%
HK$194,259
baseline
▲ 0.50% · 4.625%
HK$204,499
+HK$10,240/mo
Deposit HK$15.57M · loan HK$36.33M · min. income ≈ HK$388,518/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$2,205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,999
−HK$13,357/mo
▼ 0.25% · 3.875%
HK$219,625
−HK$6,731/mo
Today · 4.125%
HK$226,356
baseline
▲ 0.50% · 4.625%
HK$240,130
+HK$13,774/mo
Deposit HK$5.19M · loan HK$46.71M · min. income ≈ HK$452,712/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,960
−HK$12,802/mo
▼ 0.25% · 3.875%
HK$243,315
−HK$6,447/mo
Today · 4.125%
HK$249,762
baseline
▲ 0.50% · 4.625%
HK$262,927
+HK$13,165/mo
Deposit HK$5.19M · loan HK$46.71M · min. income ≈ HK$499,524/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,205,521 · Scale 2, in force from 26 Feb 2026)