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$118,528
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$122,215
−HK$3,745/mo
Today · 4.125%
HK$125,960
baseline
▲ 0.50% · 4.625%
HK$133,625
+HK$7,665/mo
Deposit HK$25.99M · loan HK$25.99M · min. income ≈ HK$251,920/mo (50% DSR)
Upfront cash ≈ HK$28.20M (deposit + AVD stamp duty HK$2,209,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,861
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$135,397
−HK$3,588/mo
Today · 4.125%
HK$138,985
baseline
▲ 0.50% · 4.625%
HK$146,311
+HK$7,326/mo
Deposit HK$25.99M · loan HK$25.99M · min. income ≈ HK$277,970/mo (50% DSR)
Upfront cash ≈ HK$28.20M (deposit + AVD stamp duty HK$2,209,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,233
−HK$8,920/mo
▼ 0.25% · 3.875%
HK$146,658
−HK$4,495/mo
Today · 4.125%
HK$151,153
baseline
▲ 0.50% · 4.625%
HK$160,350
+HK$9,197/mo
Deposit HK$20.79M · loan HK$31.19M · min. income ≈ HK$302,306/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$2,209,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,233
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$162,477
−HK$4,305/mo
Today · 4.125%
HK$166,782
baseline
▲ 0.50% · 4.625%
HK$175,573
+HK$8,791/mo
Deposit HK$20.79M · loan HK$31.19M · min. income ≈ HK$333,564/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$2,209,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,939
−HK$10,406/mo
▼ 0.25% · 3.875%
HK$171,101
−HK$5,244/mo
Today · 4.125%
HK$176,345
baseline
▲ 0.50% · 4.625%
HK$187,075
+HK$10,730/mo
Deposit HK$15.59M · loan HK$36.39M · min. income ≈ HK$352,690/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$2,209,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,605
−HK$9,974/mo
▼ 0.25% · 3.875%
HK$189,556
−HK$5,023/mo
Today · 4.125%
HK$194,579
baseline
▲ 0.50% · 4.625%
HK$204,835
+HK$10,256/mo
Deposit HK$15.59M · loan HK$36.39M · min. income ≈ HK$389,158/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$2,209,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,350
−HK$13,379/mo
▼ 0.25% · 3.875%
HK$219,986
−HK$6,743/mo
Today · 4.125%
HK$226,729
baseline
▲ 0.50% · 4.625%
HK$240,525
+HK$13,796/mo
Deposit HK$5.20M · loan HK$46.78M · min. income ≈ HK$453,458/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,350
−HK$12,823/mo
▼ 0.25% · 3.875%
HK$243,715
−HK$6,458/mo
Today · 4.125%
HK$250,173
baseline
▲ 0.50% · 4.625%
HK$263,360
+HK$13,187/mo
Deposit HK$5.20M · loan HK$46.78M · min. income ≈ HK$500,346/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,151 · Scale 2, in force from 26 Feb 2026)