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$118,086
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$121,759
−HK$3,732/mo
Today · 4.125%
HK$125,491
baseline
▲ 0.50% · 4.625%
HK$133,127
+HK$7,636/mo
Deposit HK$25.89M · loan HK$25.89M · min. income ≈ HK$250,982/mo (50% DSR)
Upfront cash ≈ HK$28.09M (deposit + AVD stamp duty HK$2,200,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,369
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$134,893
−HK$3,574/mo
Today · 4.125%
HK$138,467
baseline
▲ 0.50% · 4.625%
HK$145,766
+HK$7,299/mo
Deposit HK$25.89M · loan HK$25.89M · min. income ≈ HK$276,934/mo (50% DSR)
Upfront cash ≈ HK$28.09M (deposit + AVD stamp duty HK$2,200,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,703
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$146,111
−HK$4,478/mo
Today · 4.125%
HK$150,589
baseline
▲ 0.50% · 4.625%
HK$159,752
+HK$9,163/mo
Deposit HK$20.71M · loan HK$31.07M · min. income ≈ HK$301,178/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$2,200,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,643
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$161,871
−HK$4,289/mo
Today · 4.125%
HK$166,160
baseline
▲ 0.50% · 4.625%
HK$174,919
+HK$8,759/mo
Deposit HK$20.71M · loan HK$31.07M · min. income ≈ HK$332,320/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$2,200,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,320
−HK$10,367/mo
▼ 0.25% · 3.875%
HK$170,463
−HK$5,224/mo
Today · 4.125%
HK$175,687
baseline
▲ 0.50% · 4.625%
HK$186,378
+HK$10,691/mo
Deposit HK$15.54M · loan HK$36.25M · min. income ≈ HK$351,374/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,200,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,917
−HK$9,937/mo
▼ 0.25% · 3.875%
HK$188,850
−HK$5,004/mo
Today · 4.125%
HK$193,854
baseline
▲ 0.50% · 4.625%
HK$204,072
+HK$10,218/mo
Deposit HK$15.54M · loan HK$36.25M · min. income ≈ HK$387,708/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,200,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,555
−HK$13,329/mo
▼ 0.25% · 3.875%
HK$219,166
−HK$6,718/mo
Today · 4.125%
HK$225,884
baseline
▲ 0.50% · 4.625%
HK$239,628
+HK$13,744/mo
Deposit HK$5.18M · loan HK$46.61M · min. income ≈ HK$451,768/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,200,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,465
−HK$12,775/mo
▼ 0.25% · 3.875%
HK$242,807
−HK$6,433/mo
Today · 4.125%
HK$249,240
baseline
▲ 0.50% · 4.625%
HK$262,378
+HK$13,138/mo
Deposit HK$5.18M · loan HK$46.61M · min. income ≈ HK$498,480/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,200,916 · Scale 2, in force from 26 Feb 2026)