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$118,218
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$121,895
−HK$3,736/mo
Today · 4.125%
HK$125,631
baseline
▲ 0.50% · 4.625%
HK$133,275
+HK$7,644/mo
Deposit HK$25.92M · loan HK$25.92M · min. income ≈ HK$251,262/mo (50% DSR)
Upfront cash ≈ HK$28.13M (deposit + AVD stamp duty HK$2,203,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,516
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,043
−HK$3,578/mo
Today · 4.125%
HK$138,621
baseline
▲ 0.50% · 4.625%
HK$145,928
+HK$7,307/mo
Deposit HK$25.92M · loan HK$25.92M · min. income ≈ HK$277,242/mo (50% DSR)
Upfront cash ≈ HK$28.13M (deposit + AVD stamp duty HK$2,203,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,861
−HK$8,896/mo
▼ 0.25% · 3.875%
HK$146,274
−HK$4,483/mo
Today · 4.125%
HK$150,757
baseline
▲ 0.50% · 4.625%
HK$159,930
+HK$9,173/mo
Deposit HK$20.74M · loan HK$31.11M · min. income ≈ HK$301,514/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$2,203,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,819
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$162,052
−HK$4,294/mo
Today · 4.125%
HK$166,346
baseline
▲ 0.50% · 4.625%
HK$175,114
+HK$8,768/mo
Deposit HK$20.74M · loan HK$31.11M · min. income ≈ HK$332,692/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$2,203,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,505
−HK$10,378/mo
▼ 0.25% · 3.875%
HK$170,653
−HK$5,230/mo
Today · 4.125%
HK$175,883
baseline
▲ 0.50% · 4.625%
HK$186,586
+HK$10,703/mo
Deposit HK$15.55M · loan HK$36.29M · min. income ≈ HK$351,766/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$2,203,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,122
−HK$9,948/mo
▼ 0.25% · 3.875%
HK$189,061
−HK$5,009/mo
Today · 4.125%
HK$194,070
baseline
▲ 0.50% · 4.625%
HK$204,300
+HK$10,230/mo
Deposit HK$15.55M · loan HK$36.29M · min. income ≈ HK$388,140/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$2,203,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,792
−HK$13,344/mo
▼ 0.25% · 3.875%
HK$219,411
−HK$6,725/mo
Today · 4.125%
HK$226,136
baseline
▲ 0.50% · 4.625%
HK$239,896
+HK$13,760/mo
Deposit HK$5.18M · loan HK$46.66M · min. income ≈ HK$452,272/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,203,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,729
−HK$12,790/mo
▼ 0.25% · 3.875%
HK$243,078
−HK$6,441/mo
Today · 4.125%
HK$249,519
baseline
▲ 0.50% · 4.625%
HK$262,671
+HK$13,152/mo
Deposit HK$5.18M · loan HK$46.66M · min. income ≈ HK$499,038/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,203,373 · Scale 2, in force from 26 Feb 2026)