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$117,926
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$121,594
−HK$3,727/mo
Today · 4.125%
HK$125,321
baseline
▲ 0.50% · 4.625%
HK$132,947
+HK$7,626/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$250,642/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,197,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,192
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,710
−HK$3,569/mo
Today · 4.125%
HK$138,279
baseline
▲ 0.50% · 4.625%
HK$145,568
+HK$7,289/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$276,558/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,197,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,511
−HK$8,874/mo
▼ 0.25% · 3.875%
HK$145,913
−HK$4,472/mo
Today · 4.125%
HK$150,385
baseline
▲ 0.50% · 4.625%
HK$159,536
+HK$9,151/mo
Deposit HK$20.69M · loan HK$31.03M · min. income ≈ HK$300,770/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$2,197,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,430
−HK$8,505/mo
▼ 0.25% · 3.875%
HK$161,652
−HK$4,283/mo
Today · 4.125%
HK$165,935
baseline
▲ 0.50% · 4.625%
HK$174,682
+HK$8,747/mo
Deposit HK$20.69M · loan HK$31.03M · min. income ≈ HK$331,870/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$2,197,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,096
−HK$10,353/mo
▼ 0.25% · 3.875%
HK$170,232
−HK$5,217/mo
Today · 4.125%
HK$175,449
baseline
▲ 0.50% · 4.625%
HK$186,125
+HK$10,676/mo
Deposit HK$15.51M · loan HK$36.20M · min. income ≈ HK$350,898/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,197,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,668
−HK$9,923/mo
▼ 0.25% · 3.875%
HK$188,594
−HK$4,997/mo
Today · 4.125%
HK$193,591
baseline
▲ 0.50% · 4.625%
HK$203,796
+HK$10,205/mo
Deposit HK$15.51M · loan HK$36.20M · min. income ≈ HK$387,182/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,197,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,267
−HK$13,311/mo
▼ 0.25% · 3.875%
HK$218,870
−HK$6,708/mo
Today · 4.125%
HK$225,578
baseline
▲ 0.50% · 4.625%
HK$239,304
+HK$13,726/mo
Deposit HK$5.17M · loan HK$46.54M · min. income ≈ HK$451,156/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,197,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,145
−HK$12,758/mo
▼ 0.25% · 3.875%
HK$242,478
−HK$6,425/mo
Today · 4.125%
HK$248,903
baseline
▲ 0.50% · 4.625%
HK$262,023
+HK$13,120/mo
Deposit HK$5.17M · loan HK$46.54M · min. income ≈ HK$497,806/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,197,936 · Scale 2, in force from 26 Feb 2026)