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$118,411
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$122,095
−HK$3,742/mo
Today · 4.125%
HK$125,837
baseline
▲ 0.50% · 4.625%
HK$133,494
+HK$7,657/mo
Deposit HK$25.96M · loan HK$25.96M · min. income ≈ HK$251,674/mo (50% DSR)
Upfront cash ≈ HK$28.17M (deposit + AVD stamp duty HK$2,206,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,731
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$135,264
−HK$3,584/mo
Today · 4.125%
HK$138,848
baseline
▲ 0.50% · 4.625%
HK$146,167
+HK$7,319/mo
Deposit HK$25.96M · loan HK$25.96M · min. income ≈ HK$277,696/mo (50% DSR)
Upfront cash ≈ HK$28.17M (deposit + AVD stamp duty HK$2,206,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,094
−HK$8,910/mo
▼ 0.25% · 3.875%
HK$146,513
−HK$4,491/mo
Today · 4.125%
HK$151,004
baseline
▲ 0.50% · 4.625%
HK$160,192
+HK$9,188/mo
Deposit HK$20.77M · loan HK$31.16M · min. income ≈ HK$302,008/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$2,206,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,078
−HK$8,540/mo
▼ 0.25% · 3.875%
HK$162,317
−HK$4,301/mo
Today · 4.125%
HK$166,618
baseline
▲ 0.50% · 4.625%
HK$175,401
+HK$8,783/mo
Deposit HK$20.77M · loan HK$31.16M · min. income ≈ HK$333,236/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$2,206,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,776
−HK$10,395/mo
▼ 0.25% · 3.875%
HK$170,932
−HK$5,239/mo
Today · 4.125%
HK$176,171
baseline
▲ 0.50% · 4.625%
HK$186,891
+HK$10,720/mo
Deposit HK$15.58M · loan HK$36.35M · min. income ≈ HK$352,342/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$2,206,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,424
−HK$9,964/mo
▼ 0.25% · 3.875%
HK$189,370
−HK$5,018/mo
Today · 4.125%
HK$194,388
baseline
▲ 0.50% · 4.625%
HK$204,634
+HK$10,246/mo
Deposit HK$15.58M · loan HK$36.35M · min. income ≈ HK$388,776/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$2,206,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,140
−HK$13,366/mo
▼ 0.25% · 3.875%
HK$219,770
−HK$6,736/mo
Today · 4.125%
HK$226,506
baseline
▲ 0.50% · 4.625%
HK$240,288
+HK$13,782/mo
Deposit HK$5.19M · loan HK$46.74M · min. income ≈ HK$453,012/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,206,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,117
−HK$12,810/mo
▼ 0.25% · 3.875%
HK$243,476
−HK$6,451/mo
Today · 4.125%
HK$249,927
baseline
▲ 0.50% · 4.625%
HK$263,101
+HK$13,174/mo
Deposit HK$5.19M · loan HK$46.74M · min. income ≈ HK$499,854/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,206,981 · Scale 2, in force from 26 Feb 2026)