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$117,858
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$121,524
−HK$3,725/mo
Today · 4.125%
HK$125,249
baseline
▲ 0.50% · 4.625%
HK$132,870
+HK$7,621/mo
Deposit HK$25.84M · loan HK$25.84M · min. income ≈ HK$250,498/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,196,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,116
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$134,632
−HK$3,568/mo
Today · 4.125%
HK$138,200
baseline
▲ 0.50% · 4.625%
HK$145,484
+HK$7,284/mo
Deposit HK$25.84M · loan HK$25.84M · min. income ≈ HK$276,400/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,196,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,430
−HK$8,869/mo
▼ 0.25% · 3.875%
HK$145,829
−HK$4,470/mo
Today · 4.125%
HK$150,299
baseline
▲ 0.50% · 4.625%
HK$159,444
+HK$9,145/mo
Deposit HK$20.67M · loan HK$31.01M · min. income ≈ HK$300,598/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,196,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,339
−HK$8,501/mo
▼ 0.25% · 3.875%
HK$161,559
−HK$4,281/mo
Today · 4.125%
HK$165,840
baseline
▲ 0.50% · 4.625%
HK$174,581
+HK$8,741/mo
Deposit HK$20.67M · loan HK$31.01M · min. income ≈ HK$331,680/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,196,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,001
−HK$10,347/mo
▼ 0.25% · 3.875%
HK$170,134
−HK$5,214/mo
Today · 4.125%
HK$175,348
baseline
▲ 0.50% · 4.625%
HK$186,018
+HK$10,670/mo
Deposit HK$15.51M · loan HK$36.18M · min. income ≈ HK$350,696/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$2,196,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,562
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$188,485
−HK$4,995/mo
Today · 4.125%
HK$193,480
baseline
▲ 0.50% · 4.625%
HK$203,678
+HK$10,198/mo
Deposit HK$15.51M · loan HK$36.18M · min. income ≈ HK$386,960/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$2,196,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,145
−HK$13,303/mo
▼ 0.25% · 3.875%
HK$218,743
−HK$6,705/mo
Today · 4.125%
HK$225,448
baseline
▲ 0.50% · 4.625%
HK$239,166
+HK$13,718/mo
Deposit HK$5.17M · loan HK$46.52M · min. income ≈ HK$450,896/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,196,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,009
−HK$12,751/mo
▼ 0.25% · 3.875%
HK$242,338
−HK$6,422/mo
Today · 4.125%
HK$248,760
baseline
▲ 0.50% · 4.625%
HK$261,872
+HK$13,112/mo
Deposit HK$5.17M · loan HK$46.52M · min. income ≈ HK$497,520/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,196,670 · Scale 2, in force from 26 Feb 2026)