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$118,413
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$122,097
−HK$3,742/mo
Today · 4.125%
HK$125,839
baseline
▲ 0.50% · 4.625%
HK$133,496
+HK$7,657/mo
Deposit HK$25.96M · loan HK$25.96M · min. income ≈ HK$251,678/mo (50% DSR)
Upfront cash ≈ HK$28.17M (deposit + AVD stamp duty HK$2,207,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,734
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$135,267
−HK$3,584/mo
Today · 4.125%
HK$138,851
baseline
▲ 0.50% · 4.625%
HK$146,170
+HK$7,319/mo
Deposit HK$25.96M · loan HK$25.96M · min. income ≈ HK$277,702/mo (50% DSR)
Upfront cash ≈ HK$28.17M (deposit + AVD stamp duty HK$2,207,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,096
−HK$8,911/mo
▼ 0.25% · 3.875%
HK$146,516
−HK$4,491/mo
Today · 4.125%
HK$151,007
baseline
▲ 0.50% · 4.625%
HK$160,195
+HK$9,188/mo
Deposit HK$20.77M · loan HK$31.16M · min. income ≈ HK$302,014/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$2,207,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,080
−HK$8,541/mo
▼ 0.25% · 3.875%
HK$162,320
−HK$4,301/mo
Today · 4.125%
HK$166,621
baseline
▲ 0.50% · 4.625%
HK$175,404
+HK$8,783/mo
Deposit HK$20.77M · loan HK$31.16M · min. income ≈ HK$333,242/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$2,207,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,779
−HK$10,395/mo
▼ 0.25% · 3.875%
HK$170,935
−HK$5,239/mo
Today · 4.125%
HK$176,174
baseline
▲ 0.50% · 4.625%
HK$186,894
+HK$10,720/mo
Deposit HK$15.58M · loan HK$36.35M · min. income ≈ HK$352,348/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$2,207,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,427
−HK$9,964/mo
▼ 0.25% · 3.875%
HK$189,373
−HK$5,018/mo
Today · 4.125%
HK$194,391
baseline
▲ 0.50% · 4.625%
HK$204,638
+HK$10,247/mo
Deposit HK$15.58M · loan HK$36.35M · min. income ≈ HK$388,782/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$2,207,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,144
−HK$13,366/mo
▼ 0.25% · 3.875%
HK$219,774
−HK$6,736/mo
Today · 4.125%
HK$226,510
baseline
▲ 0.50% · 4.625%
HK$240,293
+HK$13,783/mo
Deposit HK$5.19M · loan HK$46.74M · min. income ≈ HK$453,020/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,207,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,121
−HK$12,810/mo
▼ 0.25% · 3.875%
HK$243,480
−HK$6,451/mo
Today · 4.125%
HK$249,931
baseline
▲ 0.50% · 4.625%
HK$263,106
+HK$13,175/mo
Deposit HK$5.19M · loan HK$46.74M · min. income ≈ HK$499,862/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,207,018 · Scale 2, in force from 26 Feb 2026)