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$117,813
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$121,478
−HK$3,723/mo
Today · 4.125%
HK$125,201
baseline
▲ 0.50% · 4.625%
HK$132,819
+HK$7,618/mo
Deposit HK$25.83M · loan HK$25.83M · min. income ≈ HK$250,402/mo (50% DSR)
Upfront cash ≈ HK$28.03M (deposit + AVD stamp duty HK$2,195,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,066
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$134,581
−HK$3,566/mo
Today · 4.125%
HK$138,147
baseline
▲ 0.50% · 4.625%
HK$145,429
+HK$7,282/mo
Deposit HK$25.83M · loan HK$25.83M · min. income ≈ HK$276,294/mo (50% DSR)
Upfront cash ≈ HK$28.03M (deposit + AVD stamp duty HK$2,195,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,376
−HK$8,865/mo
▼ 0.25% · 3.875%
HK$145,773
−HK$4,468/mo
Today · 4.125%
HK$150,241
baseline
▲ 0.50% · 4.625%
HK$159,383
+HK$9,142/mo
Deposit HK$20.67M · loan HK$31.00M · min. income ≈ HK$300,482/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,195,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,279
−HK$8,497/mo
▼ 0.25% · 3.875%
HK$161,497
−HK$4,279/mo
Today · 4.125%
HK$165,776
baseline
▲ 0.50% · 4.625%
HK$174,515
+HK$8,739/mo
Deposit HK$20.67M · loan HK$31.00M · min. income ≈ HK$331,552/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,195,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,938
−HK$10,343/mo
▼ 0.25% · 3.875%
HK$170,069
−HK$5,212/mo
Today · 4.125%
HK$175,281
baseline
▲ 0.50% · 4.625%
HK$185,947
+HK$10,666/mo
Deposit HK$15.50M · loan HK$36.17M · min. income ≈ HK$350,562/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$2,195,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,492
−HK$9,914/mo
▼ 0.25% · 3.875%
HK$188,413
−HK$4,993/mo
Today · 4.125%
HK$193,406
baseline
▲ 0.50% · 4.625%
HK$203,600
+HK$10,194/mo
Deposit HK$15.50M · loan HK$36.17M · min. income ≈ HK$386,812/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$2,195,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,064
−HK$13,298/mo
▼ 0.25% · 3.875%
HK$218,660
−HK$6,702/mo
Today · 4.125%
HK$225,362
baseline
▲ 0.50% · 4.625%
HK$239,075
+HK$13,713/mo
Deposit HK$5.17M · loan HK$46.50M · min. income ≈ HK$450,724/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,195,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,919
−HK$12,745/mo
▼ 0.25% · 3.875%
HK$242,246
−HK$6,418/mo
Today · 4.125%
HK$248,664
baseline
▲ 0.50% · 4.625%
HK$261,772
+HK$13,108/mo
Deposit HK$5.17M · loan HK$46.50M · min. income ≈ HK$497,328/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,195,830 · Scale 2, in force from 26 Feb 2026)