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$117,709
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$121,370
−HK$3,720/mo
Today · 4.125%
HK$125,090
baseline
▲ 0.50% · 4.625%
HK$132,702
+HK$7,612/mo
Deposit HK$25.81M · loan HK$25.81M · min. income ≈ HK$250,180/mo (50% DSR)
Upfront cash ≈ HK$28.00M (deposit + AVD stamp duty HK$2,193,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,950
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$134,462
−HK$3,563/mo
Today · 4.125%
HK$138,025
baseline
▲ 0.50% · 4.625%
HK$145,300
+HK$7,275/mo
Deposit HK$25.81M · loan HK$25.81M · min. income ≈ HK$276,050/mo (50% DSR)
Upfront cash ≈ HK$28.00M (deposit + AVD stamp duty HK$2,193,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,251
−HK$8,857/mo
▼ 0.25% · 3.875%
HK$145,644
−HK$4,464/mo
Today · 4.125%
HK$150,108
baseline
▲ 0.50% · 4.625%
HK$159,242
+HK$9,134/mo
Deposit HK$20.65M · loan HK$30.97M · min. income ≈ HK$300,216/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$2,193,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,140
−HK$8,490/mo
▼ 0.25% · 3.875%
HK$161,355
−HK$4,275/mo
Today · 4.125%
HK$165,630
baseline
▲ 0.50% · 4.625%
HK$174,360
+HK$8,730/mo
Deposit HK$20.65M · loan HK$30.97M · min. income ≈ HK$331,260/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$2,193,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,793
−HK$10,334/mo
▼ 0.25% · 3.875%
HK$169,919
−HK$5,208/mo
Today · 4.125%
HK$175,127
baseline
▲ 0.50% · 4.625%
HK$185,783
+HK$10,656/mo
Deposit HK$15.49M · loan HK$36.13M · min. income ≈ HK$350,254/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$2,193,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,330
−HK$9,905/mo
▼ 0.25% · 3.875%
HK$188,247
−HK$4,988/mo
Today · 4.125%
HK$193,235
baseline
▲ 0.50% · 4.625%
HK$203,421
+HK$10,186/mo
Deposit HK$15.49M · loan HK$36.13M · min. income ≈ HK$386,470/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$2,193,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,876
−HK$13,287/mo
▼ 0.25% · 3.875%
HK$218,467
−HK$6,696/mo
Today · 4.125%
HK$225,163
baseline
▲ 0.50% · 4.625%
HK$238,863
+HK$13,700/mo
Deposit HK$5.16M · loan HK$46.46M · min. income ≈ HK$450,326/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,193,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,710
−HK$12,735/mo
▼ 0.25% · 3.875%
HK$242,032
−HK$6,413/mo
Today · 4.125%
HK$248,445
baseline
▲ 0.50% · 4.625%
HK$261,541
+HK$13,096/mo
Deposit HK$5.16M · loan HK$46.46M · min. income ≈ HK$496,890/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,193,891 · Scale 2, in force from 26 Feb 2026)