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$117,381
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$121,033
−HK$3,709/mo
Today · 4.125%
HK$124,742
baseline
▲ 0.50% · 4.625%
HK$132,332
+HK$7,590/mo
Deposit HK$25.74M · loan HK$25.74M · min. income ≈ HK$249,484/mo (50% DSR)
Upfront cash ≈ HK$27.93M (deposit + AVD stamp duty HK$2,187,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,586
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$134,088
−HK$3,553/mo
Today · 4.125%
HK$137,641
baseline
▲ 0.50% · 4.625%
HK$144,896
+HK$7,255/mo
Deposit HK$25.74M · loan HK$25.74M · min. income ≈ HK$275,282/mo (50% DSR)
Upfront cash ≈ HK$27.93M (deposit + AVD stamp duty HK$2,187,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,858
−HK$8,833/mo
▼ 0.25% · 3.875%
HK$145,239
−HK$4,452/mo
Today · 4.125%
HK$149,691
baseline
▲ 0.50% · 4.625%
HK$158,799
+HK$9,108/mo
Deposit HK$20.59M · loan HK$30.89M · min. income ≈ HK$299,382/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$2,187,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,703
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$160,905
−HK$4,264/mo
Today · 4.125%
HK$165,169
baseline
▲ 0.50% · 4.625%
HK$173,875
+HK$8,706/mo
Deposit HK$20.59M · loan HK$30.89M · min. income ≈ HK$330,338/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$2,187,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,334
−HK$10,305/mo
▼ 0.25% · 3.875%
HK$169,446
−HK$5,193/mo
Today · 4.125%
HK$174,639
baseline
▲ 0.50% · 4.625%
HK$185,265
+HK$10,626/mo
Deposit HK$15.44M · loan HK$36.03M · min. income ≈ HK$349,278/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$2,187,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,820
−HK$9,877/mo
▼ 0.25% · 3.875%
HK$187,723
−HK$4,974/mo
Today · 4.125%
HK$192,697
baseline
▲ 0.50% · 4.625%
HK$202,854
+HK$10,157/mo
Deposit HK$15.44M · loan HK$36.03M · min. income ≈ HK$385,394/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$2,187,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,286
−HK$13,250/mo
▼ 0.25% · 3.875%
HK$217,859
−HK$6,677/mo
Today · 4.125%
HK$224,536
baseline
▲ 0.50% · 4.625%
HK$238,198
+HK$13,662/mo
Deposit HK$5.15M · loan HK$46.33M · min. income ≈ HK$449,072/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,187,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,054
−HK$12,699/mo
▼ 0.25% · 3.875%
HK$241,358
−HK$6,395/mo
Today · 4.125%
HK$247,753
baseline
▲ 0.50% · 4.625%
HK$260,813
+HK$13,060/mo
Deposit HK$5.15M · loan HK$46.33M · min. income ≈ HK$495,506/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,187,783 · Scale 2, in force from 26 Feb 2026)