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$117,656
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,316
−HK$3,718/mo
Today · 4.125%
HK$125,034
baseline
▲ 0.50% · 4.625%
HK$132,642
+HK$7,608/mo
Deposit HK$25.80M · loan HK$25.80M · min. income ≈ HK$250,068/mo (50% DSR)
Upfront cash ≈ HK$27.99M (deposit + AVD stamp duty HK$2,192,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,891
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,402
−HK$3,561/mo
Today · 4.125%
HK$137,963
baseline
▲ 0.50% · 4.625%
HK$145,235
+HK$7,272/mo
Deposit HK$25.80M · loan HK$25.80M · min. income ≈ HK$275,926/mo (50% DSR)
Upfront cash ≈ HK$27.99M (deposit + AVD stamp duty HK$2,192,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,187
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$145,579
−HK$4,462/mo
Today · 4.125%
HK$150,041
baseline
▲ 0.50% · 4.625%
HK$159,171
+HK$9,130/mo
Deposit HK$20.64M · loan HK$30.96M · min. income ≈ HK$300,082/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$2,192,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,070
−HK$8,486/mo
▼ 0.25% · 3.875%
HK$161,282
−HK$4,274/mo
Today · 4.125%
HK$165,556
baseline
▲ 0.50% · 4.625%
HK$174,282
+HK$8,726/mo
Deposit HK$20.64M · loan HK$30.96M · min. income ≈ HK$331,112/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$2,192,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,719
−HK$10,329/mo
▼ 0.25% · 3.875%
HK$169,842
−HK$5,206/mo
Today · 4.125%
HK$175,048
baseline
▲ 0.50% · 4.625%
HK$185,699
+HK$10,651/mo
Deposit HK$15.48M · loan HK$36.12M · min. income ≈ HK$350,096/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$2,192,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,248
−HK$9,900/mo
▼ 0.25% · 3.875%
HK$188,162
−HK$4,986/mo
Today · 4.125%
HK$193,148
baseline
▲ 0.50% · 4.625%
HK$203,329
+HK$10,181/mo
Deposit HK$15.48M · loan HK$36.12M · min. income ≈ HK$386,296/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$2,192,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,781
−HK$13,281/mo
▼ 0.25% · 3.875%
HK$218,369
−HK$6,693/mo
Today · 4.125%
HK$225,062
baseline
▲ 0.50% · 4.625%
HK$238,756
+HK$13,694/mo
Deposit HK$5.16M · loan HK$46.44M · min. income ≈ HK$450,124/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,192,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,604
−HK$12,729/mo
▼ 0.25% · 3.875%
HK$241,923
−HK$6,410/mo
Today · 4.125%
HK$248,333
baseline
▲ 0.50% · 4.625%
HK$261,423
+HK$13,090/mo
Deposit HK$5.16M · loan HK$46.44M · min. income ≈ HK$496,666/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,192,906 · Scale 2, in force from 26 Feb 2026)