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$117,450
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,103
−HK$3,712/mo
Today · 4.125%
HK$124,815
baseline
▲ 0.50% · 4.625%
HK$132,410
+HK$7,595/mo
Deposit HK$25.75M · loan HK$25.75M · min. income ≈ HK$249,630/mo (50% DSR)
Upfront cash ≈ HK$27.94M (deposit + AVD stamp duty HK$2,189,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,662
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,166
−HK$3,555/mo
Today · 4.125%
HK$137,721
baseline
▲ 0.50% · 4.625%
HK$144,980
+HK$7,259/mo
Deposit HK$25.75M · loan HK$25.75M · min. income ≈ HK$275,442/mo (50% DSR)
Upfront cash ≈ HK$27.94M (deposit + AVD stamp duty HK$2,189,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,940
−HK$8,838/mo
▼ 0.25% · 3.875%
HK$145,324
−HK$4,454/mo
Today · 4.125%
HK$149,778
baseline
▲ 0.50% · 4.625%
HK$158,891
+HK$9,113/mo
Deposit HK$20.60M · loan HK$30.90M · min. income ≈ HK$299,556/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,189,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,794
−HK$8,471/mo
▼ 0.25% · 3.875%
HK$160,999
−HK$4,266/mo
Today · 4.125%
HK$165,265
baseline
▲ 0.50% · 4.625%
HK$173,976
+HK$8,711/mo
Deposit HK$20.60M · loan HK$30.90M · min. income ≈ HK$330,530/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,189,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,430
−HK$10,311/mo
▼ 0.25% · 3.875%
HK$169,544
−HK$5,197/mo
Today · 4.125%
HK$174,741
baseline
▲ 0.50% · 4.625%
HK$185,373
+HK$10,632/mo
Deposit HK$15.45M · loan HK$36.06M · min. income ≈ HK$349,482/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$2,189,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,926
−HK$9,883/mo
▼ 0.25% · 3.875%
HK$187,832
−HK$4,977/mo
Today · 4.125%
HK$192,809
baseline
▲ 0.50% · 4.625%
HK$202,973
+HK$10,164/mo
Deposit HK$15.45M · loan HK$36.06M · min. income ≈ HK$385,618/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$2,189,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,410
−HK$13,257/mo
▼ 0.25% · 3.875%
HK$217,986
−HK$6,681/mo
Today · 4.125%
HK$224,667
baseline
▲ 0.50% · 4.625%
HK$238,337
+HK$13,670/mo
Deposit HK$5.15M · loan HK$46.36M · min. income ≈ HK$449,334/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,189,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,191
−HK$12,707/mo
▼ 0.25% · 3.875%
HK$241,499
−HK$6,399/mo
Today · 4.125%
HK$247,898
baseline
▲ 0.50% · 4.625%
HK$260,965
+HK$13,067/mo
Deposit HK$5.15M · loan HK$46.36M · min. income ≈ HK$495,796/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,189,059 · Scale 2, in force from 26 Feb 2026)