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$117,802
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,466
−HK$3,723/mo
Today · 4.125%
HK$125,189
baseline
▲ 0.50% · 4.625%
HK$132,807
+HK$7,618/mo
Deposit HK$25.83M · loan HK$25.83M · min. income ≈ HK$250,378/mo (50% DSR)
Upfront cash ≈ HK$28.03M (deposit + AVD stamp duty HK$2,195,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,054
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,568
−HK$3,566/mo
Today · 4.125%
HK$138,134
baseline
▲ 0.50% · 4.625%
HK$145,415
+HK$7,281/mo
Deposit HK$25.83M · loan HK$25.83M · min. income ≈ HK$276,268/mo (50% DSR)
Upfront cash ≈ HK$28.03M (deposit + AVD stamp duty HK$2,195,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,362
−HK$8,865/mo
▼ 0.25% · 3.875%
HK$145,760
−HK$4,467/mo
Today · 4.125%
HK$150,227
baseline
▲ 0.50% · 4.625%
HK$159,368
+HK$9,141/mo
Deposit HK$20.66M · loan HK$31.00M · min. income ≈ HK$300,454/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,195,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,264
−HK$8,497/mo
▼ 0.25% · 3.875%
HK$161,482
−HK$4,279/mo
Today · 4.125%
HK$165,761
baseline
▲ 0.50% · 4.625%
HK$174,498
+HK$8,737/mo
Deposit HK$20.66M · loan HK$31.00M · min. income ≈ HK$331,522/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,195,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,923
−HK$10,342/mo
▼ 0.25% · 3.875%
HK$170,053
−HK$5,212/mo
Today · 4.125%
HK$175,265
baseline
▲ 0.50% · 4.625%
HK$185,929
+HK$10,664/mo
Deposit HK$15.50M · loan HK$36.16M · min. income ≈ HK$350,530/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,195,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,475
−HK$9,913/mo
▼ 0.25% · 3.875%
HK$188,396
−HK$4,992/mo
Today · 4.125%
HK$193,388
baseline
▲ 0.50% · 4.625%
HK$203,581
+HK$10,193/mo
Deposit HK$15.50M · loan HK$36.16M · min. income ≈ HK$386,776/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,195,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,044
−HK$13,297/mo
▼ 0.25% · 3.875%
HK$218,639
−HK$6,702/mo
Today · 4.125%
HK$225,341
baseline
▲ 0.50% · 4.625%
HK$239,052
+HK$13,711/mo
Deposit HK$5.17M · loan HK$46.50M · min. income ≈ HK$450,682/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,195,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,896
−HK$12,745/mo
▼ 0.25% · 3.875%
HK$242,223
−HK$6,418/mo
Today · 4.125%
HK$248,641
baseline
▲ 0.50% · 4.625%
HK$261,747
+HK$13,106/mo
Deposit HK$5.17M · loan HK$46.50M · min. income ≈ HK$497,282/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,195,625 · Scale 2, in force from 26 Feb 2026)