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$117,742
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$121,404
−HK$3,721/mo
Today · 4.125%
HK$125,125
baseline
▲ 0.50% · 4.625%
HK$132,739
+HK$7,614/mo
Deposit HK$25.82M · loan HK$25.82M · min. income ≈ HK$250,250/mo (50% DSR)
Upfront cash ≈ HK$28.01M (deposit + AVD stamp duty HK$2,194,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,987
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$134,500
−HK$3,564/mo
Today · 4.125%
HK$138,064
baseline
▲ 0.50% · 4.625%
HK$145,341
+HK$7,277/mo
Deposit HK$25.82M · loan HK$25.82M · min. income ≈ HK$276,128/mo (50% DSR)
Upfront cash ≈ HK$28.01M (deposit + AVD stamp duty HK$2,194,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,290
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$145,685
−HK$4,466/mo
Today · 4.125%
HK$150,151
baseline
▲ 0.50% · 4.625%
HK$159,287
+HK$9,136/mo
Deposit HK$20.65M · loan HK$30.98M · min. income ≈ HK$300,302/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$2,194,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,184
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$161,400
−HK$4,276/mo
Today · 4.125%
HK$165,676
baseline
▲ 0.50% · 4.625%
HK$174,409
+HK$8,733/mo
Deposit HK$20.65M · loan HK$30.98M · min. income ≈ HK$331,352/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$2,194,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,839
−HK$10,337/mo
▼ 0.25% · 3.875%
HK$169,966
−HK$5,210/mo
Today · 4.125%
HK$175,176
baseline
▲ 0.50% · 4.625%
HK$185,835
+HK$10,659/mo
Deposit HK$15.49M · loan HK$36.14M · min. income ≈ HK$350,352/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,194,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,381
−HK$9,908/mo
▼ 0.25% · 3.875%
HK$188,300
−HK$4,989/mo
Today · 4.125%
HK$193,289
baseline
▲ 0.50% · 4.625%
HK$203,478
+HK$10,189/mo
Deposit HK$15.49M · loan HK$36.14M · min. income ≈ HK$386,578/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$2,194,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,936
−HK$13,290/mo
▼ 0.25% · 3.875%
HK$218,528
−HK$6,698/mo
Today · 4.125%
HK$225,226
baseline
▲ 0.50% · 4.625%
HK$238,930
+HK$13,704/mo
Deposit HK$5.16M · loan HK$46.47M · min. income ≈ HK$450,452/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,194,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,776
−HK$12,738/mo
▼ 0.25% · 3.875%
HK$242,100
−HK$6,414/mo
Today · 4.125%
HK$248,514
baseline
▲ 0.50% · 4.625%
HK$261,614
+HK$13,100/mo
Deposit HK$5.16M · loan HK$46.47M · min. income ≈ HK$497,028/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,194,506 · Scale 2, in force from 26 Feb 2026)