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$117,953
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$121,622
−HK$3,728/mo
Today · 4.125%
HK$125,350
baseline
▲ 0.50% · 4.625%
HK$132,977
+HK$7,627/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$250,700/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,222
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$134,741
−HK$3,571/mo
Today · 4.125%
HK$138,312
baseline
▲ 0.50% · 4.625%
HK$145,602
+HK$7,290/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$276,624/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,544
−HK$8,876/mo
▼ 0.25% · 3.875%
HK$145,947
−HK$4,473/mo
Today · 4.125%
HK$150,420
baseline
▲ 0.50% · 4.625%
HK$159,573
+HK$9,153/mo
Deposit HK$20.69M · loan HK$31.04M · min. income ≈ HK$300,840/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,466
−HK$8,508/mo
▼ 0.25% · 3.875%
HK$161,690
−HK$4,284/mo
Today · 4.125%
HK$165,974
baseline
▲ 0.50% · 4.625%
HK$174,723
+HK$8,749/mo
Deposit HK$20.69M · loan HK$31.04M · min. income ≈ HK$331,948/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,135
−HK$10,355/mo
▼ 0.25% · 3.875%
HK$170,271
−HK$5,219/mo
Today · 4.125%
HK$175,490
baseline
▲ 0.50% · 4.625%
HK$186,168
+HK$10,678/mo
Deposit HK$15.52M · loan HK$36.21M · min. income ≈ HK$350,980/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,711
−HK$9,925/mo
▼ 0.25% · 3.875%
HK$188,638
−HK$4,998/mo
Today · 4.125%
HK$193,636
baseline
▲ 0.50% · 4.625%
HK$203,843
+HK$10,207/mo
Deposit HK$15.52M · loan HK$36.21M · min. income ≈ HK$387,272/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,316
−HK$13,314/mo
▼ 0.25% · 3.875%
HK$218,920
−HK$6,710/mo
Today · 4.125%
HK$225,630
baseline
▲ 0.50% · 4.625%
HK$239,359
+HK$13,729/mo
Deposit HK$5.17M · loan HK$46.56M · min. income ≈ HK$451,260/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,200
−HK$12,761/mo
▼ 0.25% · 3.875%
HK$242,534
−HK$6,427/mo
Today · 4.125%
HK$248,961
baseline
▲ 0.50% · 4.625%
HK$262,084
+HK$13,123/mo
Deposit HK$5.17M · loan HK$46.56M · min. income ≈ HK$497,922/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,446 · Scale 2, in force from 26 Feb 2026)