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$117,972
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$121,642
−HK$3,728/mo
Today · 4.125%
HK$125,370
baseline
▲ 0.50% · 4.625%
HK$132,999
+HK$7,629/mo
Deposit HK$25.87M · loan HK$25.87M · min. income ≈ HK$250,740/mo (50% DSR)
Upfront cash ≈ HK$28.07M (deposit + AVD stamp duty HK$2,198,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,243
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$134,763
−HK$3,571/mo
Today · 4.125%
HK$138,334
baseline
▲ 0.50% · 4.625%
HK$145,626
+HK$7,292/mo
Deposit HK$25.87M · loan HK$25.87M · min. income ≈ HK$276,668/mo (50% DSR)
Upfront cash ≈ HK$28.07M (deposit + AVD stamp duty HK$2,198,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,567
−HK$8,877/mo
▼ 0.25% · 3.875%
HK$145,971
−HK$4,473/mo
Today · 4.125%
HK$150,444
baseline
▲ 0.50% · 4.625%
HK$159,599
+HK$9,155/mo
Deposit HK$20.69M · loan HK$31.04M · min. income ≈ HK$300,888/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,492
−HK$8,509/mo
▼ 0.25% · 3.875%
HK$161,716
−HK$4,285/mo
Today · 4.125%
HK$166,001
baseline
▲ 0.50% · 4.625%
HK$174,751
+HK$8,750/mo
Deposit HK$20.69M · loan HK$31.04M · min. income ≈ HK$332,002/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,161
−HK$10,358/mo
▼ 0.25% · 3.875%
HK$170,299
−HK$5,220/mo
Today · 4.125%
HK$175,519
baseline
▲ 0.50% · 4.625%
HK$186,198
+HK$10,679/mo
Deposit HK$15.52M · loan HK$36.22M · min. income ≈ HK$351,038/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,740
−HK$9,927/mo
▼ 0.25% · 3.875%
HK$188,668
−HK$4,999/mo
Today · 4.125%
HK$193,667
baseline
▲ 0.50% · 4.625%
HK$203,876
+HK$10,209/mo
Deposit HK$15.52M · loan HK$36.22M · min. income ≈ HK$387,334/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,350
−HK$13,317/mo
▼ 0.25% · 3.875%
HK$218,956
−HK$6,711/mo
Today · 4.125%
HK$225,667
baseline
▲ 0.50% · 4.625%
HK$239,398
+HK$13,731/mo
Deposit HK$5.17M · loan HK$46.56M · min. income ≈ HK$451,334/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,238
−HK$12,763/mo
▼ 0.25% · 3.875%
HK$242,574
−HK$6,427/mo
Today · 4.125%
HK$249,001
baseline
▲ 0.50% · 4.625%
HK$262,126
+HK$13,125/mo
Deposit HK$5.17M · loan HK$46.56M · min. income ≈ HK$498,002/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,801 · Scale 2, in force from 26 Feb 2026)