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$117,459
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$121,113
−HK$3,712/mo
Today · 4.125%
HK$124,825
baseline
▲ 0.50% · 4.625%
HK$132,420
+HK$7,595/mo
Deposit HK$25.76M · loan HK$25.76M · min. income ≈ HK$249,650/mo (50% DSR)
Upfront cash ≈ HK$27.94M (deposit + AVD stamp duty HK$2,189,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,672
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$134,177
−HK$3,555/mo
Today · 4.125%
HK$137,732
baseline
▲ 0.50% · 4.625%
HK$144,992
+HK$7,260/mo
Deposit HK$25.76M · loan HK$25.76M · min. income ≈ HK$275,464/mo (50% DSR)
Upfront cash ≈ HK$27.94M (deposit + AVD stamp duty HK$2,189,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,951
−HK$8,839/mo
▼ 0.25% · 3.875%
HK$145,335
−HK$4,455/mo
Today · 4.125%
HK$149,790
baseline
▲ 0.50% · 4.625%
HK$158,904
+HK$9,114/mo
Deposit HK$20.60M · loan HK$30.91M · min. income ≈ HK$299,580/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,189,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,806
−HK$8,472/mo
▼ 0.25% · 3.875%
HK$161,012
−HK$4,266/mo
Today · 4.125%
HK$165,278
baseline
▲ 0.50% · 4.625%
HK$173,990
+HK$8,712/mo
Deposit HK$20.60M · loan HK$30.91M · min. income ≈ HK$330,556/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,189,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,443
−HK$10,312/mo
▼ 0.25% · 3.875%
HK$169,558
−HK$5,197/mo
Today · 4.125%
HK$174,755
baseline
▲ 0.50% · 4.625%
HK$185,388
+HK$10,633/mo
Deposit HK$15.45M · loan HK$36.06M · min. income ≈ HK$349,510/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$2,189,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,941
−HK$9,883/mo
▼ 0.25% · 3.875%
HK$187,847
−HK$4,977/mo
Today · 4.125%
HK$192,824
baseline
▲ 0.50% · 4.625%
HK$202,989
+HK$10,165/mo
Deposit HK$15.45M · loan HK$36.06M · min. income ≈ HK$385,648/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$2,189,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,426
−HK$13,259/mo
▼ 0.25% · 3.875%
HK$218,003
−HK$6,682/mo
Today · 4.125%
HK$224,685
baseline
▲ 0.50% · 4.625%
HK$238,356
+HK$13,671/mo
Deposit HK$5.15M · loan HK$46.36M · min. income ≈ HK$449,370/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,189,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,210
−HK$12,707/mo
▼ 0.25% · 3.875%
HK$241,518
−HK$6,399/mo
Today · 4.125%
HK$247,917
baseline
▲ 0.50% · 4.625%
HK$260,985
+HK$13,068/mo
Deposit HK$5.15M · loan HK$46.36M · min. income ≈ HK$495,834/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,189,232 · Scale 2, in force from 26 Feb 2026)