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$117,447
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,100
−HK$3,712/mo
Today · 4.125%
HK$124,812
baseline
▲ 0.50% · 4.625%
HK$132,406
+HK$7,594/mo
Deposit HK$25.75M · loan HK$25.75M · min. income ≈ HK$249,624/mo (50% DSR)
Upfront cash ≈ HK$27.94M (deposit + AVD stamp duty HK$2,189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,659
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,163
−HK$3,555/mo
Today · 4.125%
HK$137,718
baseline
▲ 0.50% · 4.625%
HK$144,977
+HK$7,259/mo
Deposit HK$25.75M · loan HK$25.75M · min. income ≈ HK$275,436/mo (50% DSR)
Upfront cash ≈ HK$27.94M (deposit + AVD stamp duty HK$2,189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,936
−HK$8,838/mo
▼ 0.25% · 3.875%
HK$145,320
−HK$4,454/mo
Today · 4.125%
HK$149,774
baseline
▲ 0.50% · 4.625%
HK$158,888
+HK$9,114/mo
Deposit HK$20.60M · loan HK$30.90M · min. income ≈ HK$299,548/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,790
−HK$8,471/mo
▼ 0.25% · 3.875%
HK$160,995
−HK$4,266/mo
Today · 4.125%
HK$165,261
baseline
▲ 0.50% · 4.625%
HK$173,972
+HK$8,711/mo
Deposit HK$20.60M · loan HK$30.90M · min. income ≈ HK$330,522/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,426
−HK$10,311/mo
▼ 0.25% · 3.875%
HK$169,540
−HK$5,197/mo
Today · 4.125%
HK$174,737
baseline
▲ 0.50% · 4.625%
HK$185,369
+HK$10,632/mo
Deposit HK$15.45M · loan HK$36.05M · min. income ≈ HK$349,474/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$2,189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,922
−HK$9,883/mo
▼ 0.25% · 3.875%
HK$187,828
−HK$4,977/mo
Today · 4.125%
HK$192,805
baseline
▲ 0.50% · 4.625%
HK$202,968
+HK$10,163/mo
Deposit HK$15.45M · loan HK$36.05M · min. income ≈ HK$385,610/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$2,189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,405
−HK$13,257/mo
▼ 0.25% · 3.875%
HK$217,981
−HK$6,681/mo
Today · 4.125%
HK$224,662
baseline
▲ 0.50% · 4.625%
HK$238,332
+HK$13,670/mo
Deposit HK$5.15M · loan HK$46.36M · min. income ≈ HK$449,324/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,186
−HK$12,706/mo
▼ 0.25% · 3.875%
HK$241,493
−HK$6,399/mo
Today · 4.125%
HK$247,892
baseline
▲ 0.50% · 4.625%
HK$260,959
+HK$13,067/mo
Deposit HK$5.15M · loan HK$46.36M · min. income ≈ HK$495,784/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,189,008 · Scale 2, in force from 26 Feb 2026)