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$117,851
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,517
−HK$3,724/mo
Today · 4.125%
HK$125,241
baseline
▲ 0.50% · 4.625%
HK$132,862
+HK$7,621/mo
Deposit HK$25.84M · loan HK$25.84M · min. income ≈ HK$250,482/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,196,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,108
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$134,624
−HK$3,567/mo
Today · 4.125%
HK$138,191
baseline
▲ 0.50% · 4.625%
HK$145,475
+HK$7,284/mo
Deposit HK$25.84M · loan HK$25.84M · min. income ≈ HK$276,382/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,196,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,421
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$145,820
−HK$4,469/mo
Today · 4.125%
HK$150,289
baseline
▲ 0.50% · 4.625%
HK$159,434
+HK$9,145/mo
Deposit HK$20.67M · loan HK$31.01M · min. income ≈ HK$300,578/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,196,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,329
−HK$8,500/mo
▼ 0.25% · 3.875%
HK$161,549
−HK$4,280/mo
Today · 4.125%
HK$165,829
baseline
▲ 0.50% · 4.625%
HK$174,570
+HK$8,741/mo
Deposit HK$20.67M · loan HK$31.01M · min. income ≈ HK$331,658/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,196,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,991
−HK$10,346/mo
▼ 0.25% · 3.875%
HK$170,123
−HK$5,214/mo
Today · 4.125%
HK$175,337
baseline
▲ 0.50% · 4.625%
HK$186,006
+HK$10,669/mo
Deposit HK$15.50M · loan HK$36.18M · min. income ≈ HK$350,674/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$2,196,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,551
−HK$9,916/mo
▼ 0.25% · 3.875%
HK$188,474
−HK$4,993/mo
Today · 4.125%
HK$193,467
baseline
▲ 0.50% · 4.625%
HK$203,665
+HK$10,198/mo
Deposit HK$15.50M · loan HK$36.18M · min. income ≈ HK$386,934/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$2,196,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,131
−HK$13,303/mo
▼ 0.25% · 3.875%
HK$218,730
−HK$6,704/mo
Today · 4.125%
HK$225,434
baseline
▲ 0.50% · 4.625%
HK$239,151
+HK$13,717/mo
Deposit HK$5.17M · loan HK$46.51M · min. income ≈ HK$450,868/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,196,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,994
−HK$12,750/mo
▼ 0.25% · 3.875%
HK$242,323
−HK$6,421/mo
Today · 4.125%
HK$248,744
baseline
▲ 0.50% · 4.625%
HK$261,856
+HK$13,112/mo
Deposit HK$5.17M · loan HK$46.51M · min. income ≈ HK$497,488/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,196,532 · Scale 2, in force from 26 Feb 2026)