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$117,787
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$121,451
−HK$3,722/mo
Today · 4.125%
HK$125,173
baseline
▲ 0.50% · 4.625%
HK$132,790
+HK$7,617/mo
Deposit HK$25.83M · loan HK$25.83M · min. income ≈ HK$250,346/mo (50% DSR)
Upfront cash ≈ HK$28.02M (deposit + AVD stamp duty HK$2,195,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,037
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,551
−HK$3,566/mo
Today · 4.125%
HK$138,117
baseline
▲ 0.50% · 4.625%
HK$145,397
+HK$7,280/mo
Deposit HK$25.83M · loan HK$25.83M · min. income ≈ HK$276,234/mo (50% DSR)
Upfront cash ≈ HK$28.02M (deposit + AVD stamp duty HK$2,195,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,345
−HK$8,863/mo
▼ 0.25% · 3.875%
HK$145,741
−HK$4,467/mo
Today · 4.125%
HK$150,208
baseline
▲ 0.50% · 4.625%
HK$159,348
+HK$9,140/mo
Deposit HK$20.66M · loan HK$30.99M · min. income ≈ HK$300,416/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,195,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,244
−HK$8,496/mo
▼ 0.25% · 3.875%
HK$161,462
−HK$4,278/mo
Today · 4.125%
HK$165,740
baseline
▲ 0.50% · 4.625%
HK$174,476
+HK$8,736/mo
Deposit HK$20.66M · loan HK$30.99M · min. income ≈ HK$331,480/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,195,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,902
−HK$10,341/mo
▼ 0.25% · 3.875%
HK$170,031
−HK$5,212/mo
Today · 4.125%
HK$175,243
baseline
▲ 0.50% · 4.625%
HK$185,906
+HK$10,663/mo
Deposit HK$15.50M · loan HK$36.16M · min. income ≈ HK$350,486/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,195,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,452
−HK$9,911/mo
▼ 0.25% · 3.875%
HK$188,372
−HK$4,991/mo
Today · 4.125%
HK$193,363
baseline
▲ 0.50% · 4.625%
HK$203,556
+HK$10,193/mo
Deposit HK$15.50M · loan HK$36.16M · min. income ≈ HK$386,726/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,195,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,017
−HK$13,295/mo
▼ 0.25% · 3.875%
HK$218,612
−HK$6,700/mo
Today · 4.125%
HK$225,312
baseline
▲ 0.50% · 4.625%
HK$239,022
+HK$13,710/mo
Deposit HK$5.17M · loan HK$46.49M · min. income ≈ HK$450,624/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,195,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,867
−HK$12,743/mo
▼ 0.25% · 3.875%
HK$242,192
−HK$6,418/mo
Today · 4.125%
HK$248,610
baseline
▲ 0.50% · 4.625%
HK$261,714
+HK$13,104/mo
Deposit HK$5.17M · loan HK$46.49M · min. income ≈ HK$497,220/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,195,347 · Scale 2, in force from 26 Feb 2026)