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$118,119
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$121,793
−HK$3,733/mo
Today · 4.125%
HK$125,526
baseline
▲ 0.50% · 4.625%
HK$133,164
+HK$7,638/mo
Deposit HK$25.90M · loan HK$25.90M · min. income ≈ HK$251,052/mo (50% DSR)
Upfront cash ≈ HK$28.10M (deposit + AVD stamp duty HK$2,201,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,406
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$134,931
−HK$3,575/mo
Today · 4.125%
HK$138,506
baseline
▲ 0.50% · 4.625%
HK$145,807
+HK$7,301/mo
Deposit HK$25.90M · loan HK$25.90M · min. income ≈ HK$277,012/mo (50% DSR)
Upfront cash ≈ HK$28.10M (deposit + AVD stamp duty HK$2,201,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,743
−HK$8,888/mo
▼ 0.25% · 3.875%
HK$146,152
−HK$4,479/mo
Today · 4.125%
HK$150,631
baseline
▲ 0.50% · 4.625%
HK$159,797
+HK$9,166/mo
Deposit HK$20.72M · loan HK$31.08M · min. income ≈ HK$301,262/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$2,201,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,688
−HK$8,519/mo
▼ 0.25% · 3.875%
HK$161,917
−HK$4,290/mo
Today · 4.125%
HK$166,207
baseline
▲ 0.50% · 4.625%
HK$174,968
+HK$8,761/mo
Deposit HK$20.72M · loan HK$31.08M · min. income ≈ HK$332,414/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$2,201,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,367
−HK$10,370/mo
▼ 0.25% · 3.875%
HK$170,511
−HK$5,226/mo
Today · 4.125%
HK$175,737
baseline
▲ 0.50% · 4.625%
HK$186,430
+HK$10,693/mo
Deposit HK$15.54M · loan HK$36.26M · min. income ≈ HK$351,474/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,201,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,969
−HK$9,939/mo
▼ 0.25% · 3.875%
HK$188,903
−HK$5,005/mo
Today · 4.125%
HK$193,908
baseline
▲ 0.50% · 4.625%
HK$204,129
+HK$10,221/mo
Deposit HK$15.54M · loan HK$36.26M · min. income ≈ HK$387,816/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,201,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,614
−HK$13,333/mo
▼ 0.25% · 3.875%
HK$219,228
−HK$6,719/mo
Today · 4.125%
HK$225,947
baseline
▲ 0.50% · 4.625%
HK$239,695
+HK$13,748/mo
Deposit HK$5.18M · loan HK$46.62M · min. income ≈ HK$451,894/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,201,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,531
−HK$12,779/mo
▼ 0.25% · 3.875%
HK$242,875
−HK$6,435/mo
Today · 4.125%
HK$249,310
baseline
▲ 0.50% · 4.625%
HK$262,452
+HK$13,142/mo
Deposit HK$5.18M · loan HK$46.62M · min. income ≈ HK$498,620/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,201,534 · Scale 2, in force from 26 Feb 2026)