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$118,139
−HK$7,409/mo
▼ 0.25% · 3.875%
HK$121,814
−HK$3,734/mo
Today · 4.125%
HK$125,548
baseline
▲ 0.50% · 4.625%
HK$133,187
+HK$7,639/mo
Deposit HK$25.90M · loan HK$25.90M · min. income ≈ HK$251,096/mo (50% DSR)
Upfront cash ≈ HK$28.11M (deposit + AVD stamp duty HK$2,201,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,429
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$134,954
−HK$3,576/mo
Today · 4.125%
HK$138,530
baseline
▲ 0.50% · 4.625%
HK$145,832
+HK$7,302/mo
Deposit HK$25.90M · loan HK$25.90M · min. income ≈ HK$277,060/mo (50% DSR)
Upfront cash ≈ HK$28.11M (deposit + AVD stamp duty HK$2,201,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,767
−HK$8,890/mo
▼ 0.25% · 3.875%
HK$146,177
−HK$4,480/mo
Today · 4.125%
HK$150,657
baseline
▲ 0.50% · 4.625%
HK$159,824
+HK$9,167/mo
Deposit HK$20.72M · loan HK$31.09M · min. income ≈ HK$301,314/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$2,201,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,715
−HK$8,520/mo
▼ 0.25% · 3.875%
HK$161,944
−HK$4,291/mo
Today · 4.125%
HK$166,235
baseline
▲ 0.50% · 4.625%
HK$174,998
+HK$8,763/mo
Deposit HK$20.72M · loan HK$31.09M · min. income ≈ HK$332,470/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$2,201,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,395
−HK$10,372/mo
▼ 0.25% · 3.875%
HK$170,540
−HK$5,227/mo
Today · 4.125%
HK$175,767
baseline
▲ 0.50% · 4.625%
HK$186,462
+HK$10,695/mo
Deposit HK$15.54M · loan HK$36.27M · min. income ≈ HK$351,534/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,201,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,000
−HK$9,941/mo
▼ 0.25% · 3.875%
HK$188,935
−HK$5,006/mo
Today · 4.125%
HK$193,941
baseline
▲ 0.50% · 4.625%
HK$204,164
+HK$10,223/mo
Deposit HK$15.54M · loan HK$36.27M · min. income ≈ HK$387,882/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,201,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,651
−HK$13,335/mo
▼ 0.25% · 3.875%
HK$219,266
−HK$6,720/mo
Today · 4.125%
HK$225,986
baseline
▲ 0.50% · 4.625%
HK$239,737
+HK$13,751/mo
Deposit HK$5.18M · loan HK$46.63M · min. income ≈ HK$451,972/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,201,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,572
−HK$12,781/mo
▼ 0.25% · 3.875%
HK$242,917
−HK$6,436/mo
Today · 4.125%
HK$249,353
baseline
▲ 0.50% · 4.625%
HK$262,497
+HK$13,144/mo
Deposit HK$5.18M · loan HK$46.63M · min. income ≈ HK$498,706/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,201,912 · Scale 2, in force from 26 Feb 2026)