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$117,749
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,412
−HK$3,721/mo
Today · 4.125%
HK$125,133
baseline
▲ 0.50% · 4.625%
HK$132,747
+HK$7,614/mo
Deposit HK$25.82M · loan HK$25.82M · min. income ≈ HK$250,266/mo (50% DSR)
Upfront cash ≈ HK$28.01M (deposit + AVD stamp duty HK$2,194,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,994
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,508
−HK$3,564/mo
Today · 4.125%
HK$138,072
baseline
▲ 0.50% · 4.625%
HK$145,350
+HK$7,278/mo
Deposit HK$25.82M · loan HK$25.82M · min. income ≈ HK$276,144/mo (50% DSR)
Upfront cash ≈ HK$28.01M (deposit + AVD stamp duty HK$2,194,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,299
−HK$8,860/mo
▼ 0.25% · 3.875%
HK$145,694
−HK$4,465/mo
Today · 4.125%
HK$150,159
baseline
▲ 0.50% · 4.625%
HK$159,296
+HK$9,137/mo
Deposit HK$20.66M · loan HK$30.98M · min. income ≈ HK$300,318/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$2,194,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,193
−HK$8,493/mo
▼ 0.25% · 3.875%
HK$161,409
−HK$4,277/mo
Today · 4.125%
HK$165,686
baseline
▲ 0.50% · 4.625%
HK$174,420
+HK$8,734/mo
Deposit HK$20.66M · loan HK$30.98M · min. income ≈ HK$331,372/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$2,194,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,848
−HK$10,338/mo
▼ 0.25% · 3.875%
HK$169,976
−HK$5,210/mo
Today · 4.125%
HK$175,186
baseline
▲ 0.50% · 4.625%
HK$185,845
+HK$10,659/mo
Deposit HK$15.49M · loan HK$36.15M · min. income ≈ HK$350,372/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,194,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,392
−HK$9,908/mo
▼ 0.25% · 3.875%
HK$188,311
−HK$4,989/mo
Today · 4.125%
HK$193,300
baseline
▲ 0.50% · 4.625%
HK$203,489
+HK$10,189/mo
Deposit HK$15.49M · loan HK$36.15M · min. income ≈ HK$386,600/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,194,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,948
−HK$13,291/mo
▼ 0.25% · 3.875%
HK$218,541
−HK$6,698/mo
Today · 4.125%
HK$225,239
baseline
▲ 0.50% · 4.625%
HK$238,944
+HK$13,705/mo
Deposit HK$5.16M · loan HK$46.47M · min. income ≈ HK$450,478/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,194,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,790
−HK$12,739/mo
▼ 0.25% · 3.875%
HK$242,114
−HK$6,415/mo
Today · 4.125%
HK$248,529
baseline
▲ 0.50% · 4.625%
HK$261,629
+HK$13,100/mo
Deposit HK$5.16M · loan HK$46.47M · min. income ≈ HK$497,058/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,194,634 · Scale 2, in force from 26 Feb 2026)