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$117,712
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$121,374
−HK$3,720/mo
Today · 4.125%
HK$125,094
baseline
▲ 0.50% · 4.625%
HK$132,706
+HK$7,612/mo
Deposit HK$25.81M · loan HK$25.81M · min. income ≈ HK$250,188/mo (50% DSR)
Upfront cash ≈ HK$28.01M (deposit + AVD stamp duty HK$2,193,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,954
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$134,466
−HK$3,563/mo
Today · 4.125%
HK$138,029
baseline
▲ 0.50% · 4.625%
HK$145,305
+HK$7,276/mo
Deposit HK$25.81M · loan HK$25.81M · min. income ≈ HK$276,058/mo (50% DSR)
Upfront cash ≈ HK$28.01M (deposit + AVD stamp duty HK$2,193,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,255
−HK$8,858/mo
▼ 0.25% · 3.875%
HK$145,649
−HK$4,464/mo
Today · 4.125%
HK$150,113
baseline
▲ 0.50% · 4.625%
HK$159,247
+HK$9,134/mo
Deposit HK$20.65M · loan HK$30.97M · min. income ≈ HK$300,226/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$2,193,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,145
−HK$8,490/mo
▼ 0.25% · 3.875%
HK$161,359
−HK$4,276/mo
Today · 4.125%
HK$165,635
baseline
▲ 0.50% · 4.625%
HK$174,365
+HK$8,730/mo
Deposit HK$20.65M · loan HK$30.97M · min. income ≈ HK$331,270/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$2,193,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,797
−HK$10,335/mo
▼ 0.25% · 3.875%
HK$169,923
−HK$5,209/mo
Today · 4.125%
HK$175,132
baseline
▲ 0.50% · 4.625%
HK$185,788
+HK$10,656/mo
Deposit HK$15.49M · loan HK$36.14M · min. income ≈ HK$350,264/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$2,193,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,335
−HK$9,905/mo
▼ 0.25% · 3.875%
HK$188,252
−HK$4,988/mo
Today · 4.125%
HK$193,240
baseline
▲ 0.50% · 4.625%
HK$203,426
+HK$10,186/mo
Deposit HK$15.49M · loan HK$36.14M · min. income ≈ HK$386,480/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$2,193,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,882
−HK$13,287/mo
▼ 0.25% · 3.875%
HK$218,473
−HK$6,696/mo
Today · 4.125%
HK$225,169
baseline
▲ 0.50% · 4.625%
HK$238,870
+HK$13,701/mo
Deposit HK$5.16M · loan HK$46.46M · min. income ≈ HK$450,338/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,193,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,717
−HK$12,735/mo
▼ 0.25% · 3.875%
HK$242,039
−HK$6,413/mo
Today · 4.125%
HK$248,452
baseline
▲ 0.50% · 4.625%
HK$261,548
+HK$13,096/mo
Deposit HK$5.16M · loan HK$46.46M · min. income ≈ HK$496,904/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,193,953 · Scale 2, in force from 26 Feb 2026)