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$117,933
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$121,601
−HK$3,727/mo
Today · 4.125%
HK$125,328
baseline
▲ 0.50% · 4.625%
HK$132,954
+HK$7,626/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$250,656/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,199
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,718
−HK$3,570/mo
Today · 4.125%
HK$138,288
baseline
▲ 0.50% · 4.625%
HK$145,577
+HK$7,289/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$276,576/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,520
−HK$8,874/mo
▼ 0.25% · 3.875%
HK$145,922
−HK$4,472/mo
Today · 4.125%
HK$150,394
baseline
▲ 0.50% · 4.625%
HK$159,545
+HK$9,151/mo
Deposit HK$20.69M · loan HK$31.03M · min. income ≈ HK$300,788/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,439
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$161,662
−HK$4,283/mo
Today · 4.125%
HK$165,945
baseline
▲ 0.50% · 4.625%
HK$174,692
+HK$8,747/mo
Deposit HK$20.69M · loan HK$31.03M · min. income ≈ HK$331,890/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,106
−HK$10,354/mo
▼ 0.25% · 3.875%
HK$170,242
−HK$5,218/mo
Today · 4.125%
HK$175,460
baseline
▲ 0.50% · 4.625%
HK$186,136
+HK$10,676/mo
Deposit HK$15.52M · loan HK$36.20M · min. income ≈ HK$350,920/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,198,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,679
−HK$9,924/mo
▼ 0.25% · 3.875%
HK$188,605
−HK$4,998/mo
Today · 4.125%
HK$193,603
baseline
▲ 0.50% · 4.625%
HK$203,808
+HK$10,205/mo
Deposit HK$15.52M · loan HK$36.20M · min. income ≈ HK$387,206/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,198,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,279
−HK$13,312/mo
▼ 0.25% · 3.875%
HK$218,883
−HK$6,708/mo
Today · 4.125%
HK$225,591
baseline
▲ 0.50% · 4.625%
HK$239,318
+HK$13,727/mo
Deposit HK$5.17M · loan HK$46.55M · min. income ≈ HK$451,182/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,159
−HK$12,759/mo
▼ 0.25% · 3.875%
HK$242,492
−HK$6,426/mo
Today · 4.125%
HK$248,918
baseline
▲ 0.50% · 4.625%
HK$262,039
+HK$13,121/mo
Deposit HK$5.17M · loan HK$46.55M · min. income ≈ HK$497,836/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,067 · Scale 2, in force from 26 Feb 2026)