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$118,480
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$122,166
−HK$3,744/mo
Today · 4.125%
HK$125,910
baseline
▲ 0.50% · 4.625%
HK$133,571
+HK$7,661/mo
Deposit HK$25.98M · loan HK$25.98M · min. income ≈ HK$251,820/mo (50% DSR)
Upfront cash ≈ HK$28.19M (deposit + AVD stamp duty HK$2,208,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,808
−HK$7,121/mo
▼ 0.25% · 3.875%
HK$135,343
−HK$3,586/mo
Today · 4.125%
HK$138,929
baseline
▲ 0.50% · 4.625%
HK$146,252
+HK$7,323/mo
Deposit HK$25.98M · loan HK$25.98M · min. income ≈ HK$277,858/mo (50% DSR)
Upfront cash ≈ HK$28.19M (deposit + AVD stamp duty HK$2,208,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,176
−HK$8,916/mo
▼ 0.25% · 3.875%
HK$146,599
−HK$4,493/mo
Today · 4.125%
HK$151,092
baseline
▲ 0.50% · 4.625%
HK$160,286
+HK$9,194/mo
Deposit HK$20.78M · loan HK$31.18M · min. income ≈ HK$302,184/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,208,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,170
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$162,412
−HK$4,303/mo
Today · 4.125%
HK$166,715
baseline
▲ 0.50% · 4.625%
HK$175,503
+HK$8,788/mo
Deposit HK$20.78M · loan HK$31.18M · min. income ≈ HK$333,430/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,208,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,872
−HK$10,402/mo
▼ 0.25% · 3.875%
HK$171,032
−HK$5,242/mo
Today · 4.125%
HK$176,274
baseline
▲ 0.50% · 4.625%
HK$187,000
+HK$10,726/mo
Deposit HK$15.59M · loan HK$36.37M · min. income ≈ HK$352,548/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$2,208,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,531
−HK$9,970/mo
▼ 0.25% · 3.875%
HK$189,480
−HK$5,021/mo
Today · 4.125%
HK$194,501
baseline
▲ 0.50% · 4.625%
HK$204,753
+HK$10,252/mo
Deposit HK$15.59M · loan HK$36.37M · min. income ≈ HK$389,002/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$2,208,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,264
−HK$13,374/mo
▼ 0.25% · 3.875%
HK$219,898
−HK$6,740/mo
Today · 4.125%
HK$226,638
baseline
▲ 0.50% · 4.625%
HK$240,428
+HK$13,790/mo
Deposit HK$5.20M · loan HK$46.76M · min. income ≈ HK$453,276/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,208,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,254
−HK$12,819/mo
▼ 0.25% · 3.875%
HK$243,618
−HK$6,455/mo
Today · 4.125%
HK$250,073
baseline
▲ 0.50% · 4.625%
HK$263,254
+HK$13,181/mo
Deposit HK$5.20M · loan HK$46.76M · min. income ≈ HK$500,146/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,208,265 · Scale 2, in force from 26 Feb 2026)