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$118,549
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$122,237
−HK$3,746/mo
Today · 4.125%
HK$125,983
baseline
▲ 0.50% · 4.625%
HK$133,649
+HK$7,666/mo
Deposit HK$25.99M · loan HK$25.99M · min. income ≈ HK$251,966/mo (50% DSR)
Upfront cash ≈ HK$28.20M (deposit + AVD stamp duty HK$2,209,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,885
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$135,422
−HK$3,588/mo
Today · 4.125%
HK$139,010
baseline
▲ 0.50% · 4.625%
HK$146,337
+HK$7,327/mo
Deposit HK$25.99M · loan HK$25.99M · min. income ≈ HK$278,020/mo (50% DSR)
Upfront cash ≈ HK$28.20M (deposit + AVD stamp duty HK$2,209,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,259
−HK$8,921/mo
▼ 0.25% · 3.875%
HK$146,684
−HK$4,496/mo
Today · 4.125%
HK$151,180
baseline
▲ 0.50% · 4.625%
HK$160,379
+HK$9,199/mo
Deposit HK$20.80M · loan HK$31.19M · min. income ≈ HK$302,360/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,262
−HK$8,550/mo
▼ 0.25% · 3.875%
HK$162,506
−HK$4,306/mo
Today · 4.125%
HK$166,812
baseline
▲ 0.50% · 4.625%
HK$175,605
+HK$8,793/mo
Deposit HK$20.80M · loan HK$31.19M · min. income ≈ HK$333,624/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,969
−HK$10,407/mo
▼ 0.25% · 3.875%
HK$171,131
−HK$5,245/mo
Today · 4.125%
HK$176,376
baseline
▲ 0.50% · 4.625%
HK$187,108
+HK$10,732/mo
Deposit HK$15.60M · loan HK$36.39M · min. income ≈ HK$352,752/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,638
−HK$9,976/mo
▼ 0.25% · 3.875%
HK$189,590
−HK$5,024/mo
Today · 4.125%
HK$194,614
baseline
▲ 0.50% · 4.625%
HK$204,872
+HK$10,258/mo
Deposit HK$15.60M · loan HK$36.39M · min. income ≈ HK$389,228/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,388
−HK$13,382/mo
▼ 0.25% · 3.875%
HK$220,026
−HK$6,744/mo
Today · 4.125%
HK$226,770
baseline
▲ 0.50% · 4.625%
HK$240,568
+HK$13,798/mo
Deposit HK$5.20M · loan HK$46.79M · min. income ≈ HK$453,540/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,392
−HK$12,826/mo
▼ 0.25% · 3.875%
HK$243,759
−HK$6,459/mo
Today · 4.125%
HK$250,218
baseline
▲ 0.50% · 4.625%
HK$263,407
+HK$13,189/mo
Deposit HK$5.20M · loan HK$46.79M · min. income ≈ HK$500,436/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,547 · Scale 2, in force from 26 Feb 2026)