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$117,982
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$121,652
−HK$3,728/mo
Today · 4.125%
HK$125,380
baseline
▲ 0.50% · 4.625%
HK$133,010
+HK$7,630/mo
Deposit HK$25.87M · loan HK$25.87M · min. income ≈ HK$250,760/mo (50% DSR)
Upfront cash ≈ HK$28.07M (deposit + AVD stamp duty HK$2,198,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,254
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$134,774
−HK$3,571/mo
Today · 4.125%
HK$138,345
baseline
▲ 0.50% · 4.625%
HK$145,637
+HK$7,292/mo
Deposit HK$25.87M · loan HK$25.87M · min. income ≈ HK$276,690/mo (50% DSR)
Upfront cash ≈ HK$28.07M (deposit + AVD stamp duty HK$2,198,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,578
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$145,982
−HK$4,475/mo
Today · 4.125%
HK$150,457
baseline
▲ 0.50% · 4.625%
HK$159,611
+HK$9,154/mo
Deposit HK$20.70M · loan HK$31.04M · min. income ≈ HK$300,914/mo (50% DSR)
Upfront cash ≈ HK$22.90M (deposit + AVD stamp duty HK$2,198,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,504
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$161,729
−HK$4,285/mo
Today · 4.125%
HK$166,014
baseline
▲ 0.50% · 4.625%
HK$174,765
+HK$8,751/mo
Deposit HK$20.70M · loan HK$31.04M · min. income ≈ HK$332,028/mo (50% DSR)
Upfront cash ≈ HK$22.90M (deposit + AVD stamp duty HK$2,198,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,175
−HK$10,358/mo
▼ 0.25% · 3.875%
HK$170,313
−HK$5,220/mo
Today · 4.125%
HK$175,533
baseline
▲ 0.50% · 4.625%
HK$186,213
+HK$10,680/mo
Deposit HK$15.52M · loan HK$36.22M · min. income ≈ HK$351,066/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,755
−HK$9,928/mo
▼ 0.25% · 3.875%
HK$188,683
−HK$5,000/mo
Today · 4.125%
HK$193,683
baseline
▲ 0.50% · 4.625%
HK$203,892
+HK$10,209/mo
Deposit HK$15.52M · loan HK$36.22M · min. income ≈ HK$387,366/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,368
−HK$13,317/mo
▼ 0.25% · 3.875%
HK$218,973
−HK$6,712/mo
Today · 4.125%
HK$225,685
baseline
▲ 0.50% · 4.625%
HK$239,417
+HK$13,732/mo
Deposit HK$5.17M · loan HK$46.57M · min. income ≈ HK$451,370/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,257
−HK$12,764/mo
▼ 0.25% · 3.875%
HK$242,593
−HK$6,428/mo
Today · 4.125%
HK$249,021
baseline
▲ 0.50% · 4.625%
HK$262,147
+HK$13,126/mo
Deposit HK$5.17M · loan HK$46.57M · min. income ≈ HK$498,042/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,978 · Scale 2, in force from 26 Feb 2026)