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$117,780
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$121,444
−HK$3,722/mo
Today · 4.125%
HK$125,166
baseline
▲ 0.50% · 4.625%
HK$132,782
+HK$7,616/mo
Deposit HK$25.83M · loan HK$25.83M · min. income ≈ HK$250,332/mo (50% DSR)
Upfront cash ≈ HK$28.02M (deposit + AVD stamp duty HK$2,195,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,029
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,544
−HK$3,565/mo
Today · 4.125%
HK$138,109
baseline
▲ 0.50% · 4.625%
HK$145,389
+HK$7,280/mo
Deposit HK$25.83M · loan HK$25.83M · min. income ≈ HK$276,218/mo (50% DSR)
Upfront cash ≈ HK$28.02M (deposit + AVD stamp duty HK$2,195,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,336
−HK$8,864/mo
▼ 0.25% · 3.875%
HK$145,733
−HK$4,467/mo
Today · 4.125%
HK$150,200
baseline
▲ 0.50% · 4.625%
HK$159,339
+HK$9,139/mo
Deposit HK$20.66M · loan HK$30.99M · min. income ≈ HK$300,400/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,195,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,235
−HK$8,495/mo
▼ 0.25% · 3.875%
HK$161,452
−HK$4,278/mo
Today · 4.125%
HK$165,730
baseline
▲ 0.50% · 4.625%
HK$174,466
+HK$8,736/mo
Deposit HK$20.66M · loan HK$30.99M · min. income ≈ HK$331,460/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,195,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,893
−HK$10,340/mo
▼ 0.25% · 3.875%
HK$170,022
−HK$5,211/mo
Today · 4.125%
HK$175,233
baseline
▲ 0.50% · 4.625%
HK$185,895
+HK$10,662/mo
Deposit HK$15.50M · loan HK$36.16M · min. income ≈ HK$350,466/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,195,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,441
−HK$9,911/mo
▼ 0.25% · 3.875%
HK$188,361
−HK$4,991/mo
Today · 4.125%
HK$193,352
baseline
▲ 0.50% · 4.625%
HK$203,544
+HK$10,192/mo
Deposit HK$15.50M · loan HK$36.16M · min. income ≈ HK$386,704/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,195,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,005
−HK$13,294/mo
▼ 0.25% · 3.875%
HK$218,599
−HK$6,700/mo
Today · 4.125%
HK$225,299
baseline
▲ 0.50% · 4.625%
HK$239,008
+HK$13,709/mo
Deposit HK$5.17M · loan HK$46.49M · min. income ≈ HK$450,598/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,195,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,853
−HK$12,743/mo
▼ 0.25% · 3.875%
HK$242,179
−HK$6,417/mo
Today · 4.125%
HK$248,596
baseline
▲ 0.50% · 4.625%
HK$261,699
+HK$13,103/mo
Deposit HK$5.17M · loan HK$46.49M · min. income ≈ HK$497,192/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,195,221 · Scale 2, in force from 26 Feb 2026)