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$117,928
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$121,596
−HK$3,727/mo
Today · 4.125%
HK$125,323
baseline
▲ 0.50% · 4.625%
HK$132,949
+HK$7,626/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$250,646/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,197,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,194
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$134,712
−HK$3,570/mo
Today · 4.125%
HK$138,282
baseline
▲ 0.50% · 4.625%
HK$145,571
+HK$7,289/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$276,564/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,197,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,514
−HK$8,874/mo
▼ 0.25% · 3.875%
HK$145,916
−HK$4,472/mo
Today · 4.125%
HK$150,388
baseline
▲ 0.50% · 4.625%
HK$159,539
+HK$9,151/mo
Deposit HK$20.69M · loan HK$31.03M · min. income ≈ HK$300,776/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$2,197,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,433
−HK$8,505/mo
▼ 0.25% · 3.875%
HK$161,655
−HK$4,283/mo
Today · 4.125%
HK$165,938
baseline
▲ 0.50% · 4.625%
HK$174,685
+HK$8,747/mo
Deposit HK$20.69M · loan HK$31.03M · min. income ≈ HK$331,876/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$2,197,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,099
−HK$10,353/mo
▼ 0.25% · 3.875%
HK$170,235
−HK$5,217/mo
Today · 4.125%
HK$175,452
baseline
▲ 0.50% · 4.625%
HK$186,128
+HK$10,676/mo
Deposit HK$15.52M · loan HK$36.20M · min. income ≈ HK$350,904/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,197,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,671
−HK$9,924/mo
▼ 0.25% · 3.875%
HK$188,597
−HK$4,998/mo
Today · 4.125%
HK$193,595
baseline
▲ 0.50% · 4.625%
HK$203,799
+HK$10,204/mo
Deposit HK$15.52M · loan HK$36.20M · min. income ≈ HK$387,190/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$2,197,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,271
−HK$13,311/mo
▼ 0.25% · 3.875%
HK$218,873
−HK$6,709/mo
Today · 4.125%
HK$225,582
baseline
▲ 0.50% · 4.625%
HK$239,308
+HK$13,726/mo
Deposit HK$5.17M · loan HK$46.55M · min. income ≈ HK$451,164/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,197,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,149
−HK$12,758/mo
▼ 0.25% · 3.875%
HK$242,482
−HK$6,425/mo
Today · 4.125%
HK$248,907
baseline
▲ 0.50% · 4.625%
HK$262,027
+HK$13,120/mo
Deposit HK$5.17M · loan HK$46.55M · min. income ≈ HK$497,814/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,197,974 · Scale 2, in force from 26 Feb 2026)