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$117,594
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$121,251
−HK$3,717/mo
Today · 4.125%
HK$124,968
baseline
▲ 0.50% · 4.625%
HK$132,572
+HK$7,604/mo
Deposit HK$25.79M · loan HK$25.79M · min. income ≈ HK$249,936/mo (50% DSR)
Upfront cash ≈ HK$27.98M (deposit + AVD stamp duty HK$2,191,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,822
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,330
−HK$3,559/mo
Today · 4.125%
HK$137,889
baseline
▲ 0.50% · 4.625%
HK$145,158
+HK$7,269/mo
Deposit HK$25.79M · loan HK$25.79M · min. income ≈ HK$275,778/mo (50% DSR)
Upfront cash ≈ HK$27.98M (deposit + AVD stamp duty HK$2,191,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,112
−HK$8,849/mo
▼ 0.25% · 3.875%
HK$145,502
−HK$4,459/mo
Today · 4.125%
HK$149,961
baseline
▲ 0.50% · 4.625%
HK$159,086
+HK$9,125/mo
Deposit HK$20.63M · loan HK$30.94M · min. income ≈ HK$299,922/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$2,191,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,986
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$161,196
−HK$4,271/mo
Today · 4.125%
HK$165,467
baseline
▲ 0.50% · 4.625%
HK$174,189
+HK$8,722/mo
Deposit HK$20.63M · loan HK$30.94M · min. income ≈ HK$330,934/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$2,191,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,631
−HK$10,324/mo
▼ 0.25% · 3.875%
HK$169,752
−HK$5,203/mo
Today · 4.125%
HK$174,955
baseline
▲ 0.50% · 4.625%
HK$185,600
+HK$10,645/mo
Deposit HK$15.47M · loan HK$36.10M · min. income ≈ HK$349,910/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$2,191,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,150
−HK$9,895/mo
▼ 0.25% · 3.875%
HK$188,062
−HK$4,983/mo
Today · 4.125%
HK$193,045
baseline
▲ 0.50% · 4.625%
HK$203,221
+HK$10,176/mo
Deposit HK$15.47M · loan HK$36.10M · min. income ≈ HK$386,090/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$2,191,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,668
−HK$13,274/mo
▼ 0.25% · 3.875%
HK$218,252
−HK$6,690/mo
Today · 4.125%
HK$224,942
baseline
▲ 0.50% · 4.625%
HK$238,629
+HK$13,687/mo
Deposit HK$5.16M · loan HK$46.41M · min. income ≈ HK$449,884/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,191,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,479
−HK$12,722/mo
▼ 0.25% · 3.875%
HK$241,794
−HK$6,407/mo
Today · 4.125%
HK$248,201
baseline
▲ 0.50% · 4.625%
HK$261,284
+HK$13,083/mo
Deposit HK$5.16M · loan HK$46.41M · min. income ≈ HK$496,402/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,191,738 · Scale 2, in force from 26 Feb 2026)