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$118,092
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$121,766
−HK$3,732/mo
Today · 4.125%
HK$125,498
baseline
▲ 0.50% · 4.625%
HK$133,134
+HK$7,636/mo
Deposit HK$25.89M · loan HK$25.89M · min. income ≈ HK$250,996/mo (50% DSR)
Upfront cash ≈ HK$28.10M (deposit + AVD stamp duty HK$2,201,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,377
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$134,900
−HK$3,574/mo
Today · 4.125%
HK$138,474
baseline
▲ 0.50% · 4.625%
HK$145,774
+HK$7,300/mo
Deposit HK$25.89M · loan HK$25.89M · min. income ≈ HK$276,948/mo (50% DSR)
Upfront cash ≈ HK$28.10M (deposit + AVD stamp duty HK$2,201,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,711
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$146,119
−HK$4,478/mo
Today · 4.125%
HK$150,597
baseline
▲ 0.50% · 4.625%
HK$159,761
+HK$9,164/mo
Deposit HK$20.72M · loan HK$31.07M · min. income ≈ HK$301,194/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$2,201,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,652
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$161,880
−HK$4,289/mo
Today · 4.125%
HK$166,169
baseline
▲ 0.50% · 4.625%
HK$174,928
+HK$8,759/mo
Deposit HK$20.72M · loan HK$31.07M · min. income ≈ HK$332,338/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$2,201,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,329
−HK$10,368/mo
▼ 0.25% · 3.875%
HK$170,472
−HK$5,225/mo
Today · 4.125%
HK$175,697
baseline
▲ 0.50% · 4.625%
HK$186,388
+HK$10,691/mo
Deposit HK$15.54M · loan HK$36.25M · min. income ≈ HK$351,394/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,201,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,927
−HK$9,937/mo
▼ 0.25% · 3.875%
HK$188,860
−HK$5,004/mo
Today · 4.125%
HK$193,864
baseline
▲ 0.50% · 4.625%
HK$204,083
+HK$10,219/mo
Deposit HK$15.54M · loan HK$36.25M · min. income ≈ HK$387,728/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,201,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,566
−HK$13,330/mo
▼ 0.25% · 3.875%
HK$219,178
−HK$6,718/mo
Today · 4.125%
HK$225,896
baseline
▲ 0.50% · 4.625%
HK$239,641
+HK$13,745/mo
Deposit HK$5.18M · loan HK$46.61M · min. income ≈ HK$451,792/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,201,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,478
−HK$12,776/mo
▼ 0.25% · 3.875%
HK$242,820
−HK$6,434/mo
Today · 4.125%
HK$249,254
baseline
▲ 0.50% · 4.625%
HK$262,393
+HK$13,139/mo
Deposit HK$5.18M · loan HK$46.61M · min. income ≈ HK$498,508/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,201,037 · Scale 2, in force from 26 Feb 2026)