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$117,931
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$121,599
−HK$3,727/mo
Today · 4.125%
HK$125,326
baseline
▲ 0.50% · 4.625%
HK$132,952
+HK$7,626/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$250,652/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,197
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$134,715
−HK$3,570/mo
Today · 4.125%
HK$138,285
baseline
▲ 0.50% · 4.625%
HK$145,574
+HK$7,289/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$276,570/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,517
−HK$8,874/mo
▼ 0.25% · 3.875%
HK$145,919
−HK$4,472/mo
Today · 4.125%
HK$150,391
baseline
▲ 0.50% · 4.625%
HK$159,542
+HK$9,151/mo
Deposit HK$20.69M · loan HK$31.03M · min. income ≈ HK$300,782/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,436
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$161,658
−HK$4,284/mo
Today · 4.125%
HK$165,942
baseline
▲ 0.50% · 4.625%
HK$174,689
+HK$8,747/mo
Deposit HK$20.69M · loan HK$31.03M · min. income ≈ HK$331,884/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,103
−HK$10,353/mo
▼ 0.25% · 3.875%
HK$170,239
−HK$5,217/mo
Today · 4.125%
HK$175,456
baseline
▲ 0.50% · 4.625%
HK$186,133
+HK$10,677/mo
Deposit HK$15.52M · loan HK$36.20M · min. income ≈ HK$350,912/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,198,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,675
−HK$9,924/mo
▼ 0.25% · 3.875%
HK$188,602
−HK$4,997/mo
Today · 4.125%
HK$193,599
baseline
▲ 0.50% · 4.625%
HK$203,804
+HK$10,205/mo
Deposit HK$15.52M · loan HK$36.20M · min. income ≈ HK$387,198/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,198,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,275
−HK$13,312/mo
▼ 0.25% · 3.875%
HK$218,878
−HK$6,709/mo
Today · 4.125%
HK$225,587
baseline
▲ 0.50% · 4.625%
HK$239,313
+HK$13,726/mo
Deposit HK$5.17M · loan HK$46.55M · min. income ≈ HK$451,174/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,154
−HK$12,759/mo
▼ 0.25% · 3.875%
HK$242,488
−HK$6,425/mo
Today · 4.125%
HK$248,913
baseline
▲ 0.50% · 4.625%
HK$262,033
+HK$13,120/mo
Deposit HK$5.17M · loan HK$46.55M · min. income ≈ HK$497,826/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,023 · Scale 2, in force from 26 Feb 2026)