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$118,525
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$122,212
−HK$3,746/mo
Today · 4.125%
HK$125,958
baseline
▲ 0.50% · 4.625%
HK$133,622
+HK$7,664/mo
Deposit HK$25.99M · loan HK$25.99M · min. income ≈ HK$251,916/mo (50% DSR)
Upfront cash ≈ HK$28.20M (deposit + AVD stamp duty HK$2,209,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,858
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$135,394
−HK$3,588/mo
Today · 4.125%
HK$138,982
baseline
▲ 0.50% · 4.625%
HK$146,308
+HK$7,326/mo
Deposit HK$25.99M · loan HK$25.99M · min. income ≈ HK$277,964/mo (50% DSR)
Upfront cash ≈ HK$28.20M (deposit + AVD stamp duty HK$2,209,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,230
−HK$8,919/mo
▼ 0.25% · 3.875%
HK$146,654
−HK$4,495/mo
Today · 4.125%
HK$151,149
baseline
▲ 0.50% · 4.625%
HK$160,346
+HK$9,197/mo
Deposit HK$20.79M · loan HK$31.19M · min. income ≈ HK$302,298/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$2,209,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,230
−HK$8,548/mo
▼ 0.25% · 3.875%
HK$162,473
−HK$4,305/mo
Today · 4.125%
HK$166,778
baseline
▲ 0.50% · 4.625%
HK$175,569
+HK$8,791/mo
Deposit HK$20.79M · loan HK$31.19M · min. income ≈ HK$333,556/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$2,209,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,935
−HK$10,406/mo
▼ 0.25% · 3.875%
HK$171,097
−HK$5,244/mo
Today · 4.125%
HK$176,341
baseline
▲ 0.50% · 4.625%
HK$187,071
+HK$10,730/mo
Deposit HK$15.59M · loan HK$36.39M · min. income ≈ HK$352,682/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$2,209,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,601
−HK$9,974/mo
▼ 0.25% · 3.875%
HK$189,552
−HK$5,023/mo
Today · 4.125%
HK$194,575
baseline
▲ 0.50% · 4.625%
HK$204,831
+HK$10,256/mo
Deposit HK$15.59M · loan HK$36.39M · min. income ≈ HK$389,150/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$2,209,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,345
−HK$13,379/mo
▼ 0.25% · 3.875%
HK$219,982
−HK$6,742/mo
Today · 4.125%
HK$226,724
baseline
▲ 0.50% · 4.625%
HK$240,520
+HK$13,796/mo
Deposit HK$5.20M · loan HK$46.78M · min. income ≈ HK$453,448/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,344
−HK$12,823/mo
▼ 0.25% · 3.875%
HK$243,710
−HK$6,457/mo
Today · 4.125%
HK$250,167
baseline
▲ 0.50% · 4.625%
HK$263,354
+HK$13,187/mo
Deposit HK$5.20M · loan HK$46.78M · min. income ≈ HK$500,334/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,102 · Scale 2, in force from 26 Feb 2026)