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$117,758
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,421
−HK$3,721/mo
Today · 4.125%
HK$125,142
baseline
▲ 0.50% · 4.625%
HK$132,757
+HK$7,615/mo
Deposit HK$25.82M · loan HK$25.82M · min. income ≈ HK$250,284/mo (50% DSR)
Upfront cash ≈ HK$28.02M (deposit + AVD stamp duty HK$2,194,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,004
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,518
−HK$3,564/mo
Today · 4.125%
HK$138,082
baseline
▲ 0.50% · 4.625%
HK$145,361
+HK$7,279/mo
Deposit HK$25.82M · loan HK$25.82M · min. income ≈ HK$276,164/mo (50% DSR)
Upfront cash ≈ HK$28.02M (deposit + AVD stamp duty HK$2,194,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,309
−HK$8,862/mo
▼ 0.25% · 3.875%
HK$145,705
−HK$4,466/mo
Today · 4.125%
HK$150,171
baseline
▲ 0.50% · 4.625%
HK$159,308
+HK$9,137/mo
Deposit HK$20.66M · loan HK$30.99M · min. income ≈ HK$300,342/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$2,194,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,205
−HK$8,494/mo
▼ 0.25% · 3.875%
HK$161,421
−HK$4,278/mo
Today · 4.125%
HK$165,699
baseline
▲ 0.50% · 4.625%
HK$174,433
+HK$8,734/mo
Deposit HK$20.66M · loan HK$30.99M · min. income ≈ HK$331,398/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$2,194,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,861
−HK$10,338/mo
▼ 0.25% · 3.875%
HK$169,989
−HK$5,210/mo
Today · 4.125%
HK$175,199
baseline
▲ 0.50% · 4.625%
HK$185,860
+HK$10,661/mo
Deposit HK$15.49M · loan HK$36.15M · min. income ≈ HK$350,398/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,194,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,406
−HK$9,909/mo
▼ 0.25% · 3.875%
HK$188,325
−HK$4,990/mo
Today · 4.125%
HK$193,315
baseline
▲ 0.50% · 4.625%
HK$203,505
+HK$10,190/mo
Deposit HK$15.49M · loan HK$36.15M · min. income ≈ HK$386,630/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,194,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,964
−HK$13,292/mo
▼ 0.25% · 3.875%
HK$218,557
−HK$6,699/mo
Today · 4.125%
HK$225,256
baseline
▲ 0.50% · 4.625%
HK$238,962
+HK$13,706/mo
Deposit HK$5.16M · loan HK$46.48M · min. income ≈ HK$450,512/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,194,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,808
−HK$12,740/mo
▼ 0.25% · 3.875%
HK$242,132
−HK$6,416/mo
Today · 4.125%
HK$248,548
baseline
▲ 0.50% · 4.625%
HK$261,649
+HK$13,101/mo
Deposit HK$5.16M · loan HK$46.48M · min. income ≈ HK$497,096/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,194,800 · Scale 2, in force from 26 Feb 2026)