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$117,796
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,460
−HK$3,723/mo
Today · 4.125%
HK$125,183
baseline
▲ 0.50% · 4.625%
HK$132,800
+HK$7,617/mo
Deposit HK$25.83M · loan HK$25.83M · min. income ≈ HK$250,366/mo (50% DSR)
Upfront cash ≈ HK$28.03M (deposit + AVD stamp duty HK$2,195,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,047
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,562
−HK$3,565/mo
Today · 4.125%
HK$138,127
baseline
▲ 0.50% · 4.625%
HK$145,408
+HK$7,281/mo
Deposit HK$25.83M · loan HK$25.83M · min. income ≈ HK$276,254/mo (50% DSR)
Upfront cash ≈ HK$28.03M (deposit + AVD stamp duty HK$2,195,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,355
−HK$8,865/mo
▼ 0.25% · 3.875%
HK$145,752
−HK$4,468/mo
Today · 4.125%
HK$150,220
baseline
▲ 0.50% · 4.625%
HK$159,360
+HK$9,140/mo
Deposit HK$20.66M · loan HK$31.00M · min. income ≈ HK$300,440/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,195,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,256
−HK$8,497/mo
▼ 0.25% · 3.875%
HK$161,474
−HK$4,279/mo
Today · 4.125%
HK$165,753
baseline
▲ 0.50% · 4.625%
HK$174,490
+HK$8,737/mo
Deposit HK$20.66M · loan HK$31.00M · min. income ≈ HK$331,506/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,195,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,915
−HK$10,341/mo
▼ 0.25% · 3.875%
HK$170,044
−HK$5,212/mo
Today · 4.125%
HK$175,256
baseline
▲ 0.50% · 4.625%
HK$185,920
+HK$10,664/mo
Deposit HK$15.50M · loan HK$36.16M · min. income ≈ HK$350,512/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,195,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,466
−HK$9,912/mo
▼ 0.25% · 3.875%
HK$188,386
−HK$4,992/mo
Today · 4.125%
HK$193,378
baseline
▲ 0.50% · 4.625%
HK$203,571
+HK$10,193/mo
Deposit HK$15.50M · loan HK$36.16M · min. income ≈ HK$386,756/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,195,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,033
−HK$13,296/mo
▼ 0.25% · 3.875%
HK$218,628
−HK$6,701/mo
Today · 4.125%
HK$225,329
baseline
▲ 0.50% · 4.625%
HK$239,040
+HK$13,711/mo
Deposit HK$5.17M · loan HK$46.49M · min. income ≈ HK$450,658/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,195,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,885
−HK$12,744/mo
▼ 0.25% · 3.875%
HK$242,211
−HK$6,418/mo
Today · 4.125%
HK$248,629
baseline
▲ 0.50% · 4.625%
HK$261,734
+HK$13,105/mo
Deposit HK$5.17M · loan HK$46.49M · min. income ≈ HK$497,258/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,195,515 · Scale 2, in force from 26 Feb 2026)