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$117,685
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$121,346
−HK$3,719/mo
Today · 4.125%
HK$125,065
baseline
▲ 0.50% · 4.625%
HK$132,675
+HK$7,610/mo
Deposit HK$25.81M · loan HK$25.81M · min. income ≈ HK$250,130/mo (50% DSR)
Upfront cash ≈ HK$28.00M (deposit + AVD stamp duty HK$2,193,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,924
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$134,435
−HK$3,562/mo
Today · 4.125%
HK$137,997
baseline
▲ 0.50% · 4.625%
HK$145,271
+HK$7,274/mo
Deposit HK$25.81M · loan HK$25.81M · min. income ≈ HK$275,994/mo (50% DSR)
Upfront cash ≈ HK$28.00M (deposit + AVD stamp duty HK$2,193,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,223
−HK$8,855/mo
▼ 0.25% · 3.875%
HK$145,615
−HK$4,463/mo
Today · 4.125%
HK$150,078
baseline
▲ 0.50% · 4.625%
HK$159,210
+HK$9,132/mo
Deposit HK$20.64M · loan HK$30.97M · min. income ≈ HK$300,156/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$2,193,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,109
−HK$8,488/mo
▼ 0.25% · 3.875%
HK$161,322
−HK$4,275/mo
Today · 4.125%
HK$165,597
baseline
▲ 0.50% · 4.625%
HK$174,326
+HK$8,729/mo
Deposit HK$20.64M · loan HK$30.97M · min. income ≈ HK$331,194/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$2,193,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,760
−HK$10,332/mo
▼ 0.25% · 3.875%
HK$169,885
−HK$5,207/mo
Today · 4.125%
HK$175,092
baseline
▲ 0.50% · 4.625%
HK$185,745
+HK$10,653/mo
Deposit HK$15.48M · loan HK$36.13M · min. income ≈ HK$350,184/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$2,193,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,293
−HK$9,903/mo
▼ 0.25% · 3.875%
HK$188,209
−HK$4,987/mo
Today · 4.125%
HK$193,196
baseline
▲ 0.50% · 4.625%
HK$203,380
+HK$10,184/mo
Deposit HK$15.48M · loan HK$36.13M · min. income ≈ HK$386,392/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$2,193,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,834
−HK$13,284/mo
▼ 0.25% · 3.875%
HK$218,423
−HK$6,695/mo
Today · 4.125%
HK$225,118
baseline
▲ 0.50% · 4.625%
HK$238,816
+HK$13,698/mo
Deposit HK$5.16M · loan HK$46.45M · min. income ≈ HK$450,236/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,193,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,663
−HK$12,732/mo
▼ 0.25% · 3.875%
HK$241,983
−HK$6,412/mo
Today · 4.125%
HK$248,395
baseline
▲ 0.50% · 4.625%
HK$261,488
+HK$13,093/mo
Deposit HK$5.16M · loan HK$46.45M · min. income ≈ HK$496,790/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,193,452 · Scale 2, in force from 26 Feb 2026)