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$117,532
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,188
−HK$3,714/mo
Today · 4.125%
HK$124,902
baseline
▲ 0.50% · 4.625%
HK$132,502
+HK$7,600/mo
Deposit HK$25.77M · loan HK$25.77M · min. income ≈ HK$249,804/mo (50% DSR)
Upfront cash ≈ HK$27.96M (deposit + AVD stamp duty HK$2,190,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,753
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,260
−HK$3,557/mo
Today · 4.125%
HK$137,817
baseline
▲ 0.50% · 4.625%
HK$145,082
+HK$7,265/mo
Deposit HK$25.77M · loan HK$25.77M · min. income ≈ HK$275,634/mo (50% DSR)
Upfront cash ≈ HK$27.96M (deposit + AVD stamp duty HK$2,190,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,038
−HK$8,844/mo
▼ 0.25% · 3.875%
HK$145,425
−HK$4,457/mo
Today · 4.125%
HK$149,882
baseline
▲ 0.50% · 4.625%
HK$159,002
+HK$9,120/mo
Deposit HK$20.62M · loan HK$30.93M · min. income ≈ HK$299,764/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,190,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,903
−HK$8,477/mo
▼ 0.25% · 3.875%
HK$161,111
−HK$4,269/mo
Today · 4.125%
HK$165,380
baseline
▲ 0.50% · 4.625%
HK$174,098
+HK$8,718/mo
Deposit HK$20.62M · loan HK$30.93M · min. income ≈ HK$330,760/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,190,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,544
−HK$10,319/mo
▼ 0.25% · 3.875%
HK$169,663
−HK$5,200/mo
Today · 4.125%
HK$174,863
baseline
▲ 0.50% · 4.625%
HK$185,503
+HK$10,640/mo
Deposit HK$15.46M · loan HK$36.08M · min. income ≈ HK$349,726/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$2,190,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,054
−HK$9,890/mo
▼ 0.25% · 3.875%
HK$187,963
−HK$4,981/mo
Today · 4.125%
HK$192,944
baseline
▲ 0.50% · 4.625%
HK$203,114
+HK$10,170/mo
Deposit HK$15.46M · loan HK$36.08M · min. income ≈ HK$385,888/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$2,190,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,557
−HK$13,267/mo
▼ 0.25% · 3.875%
HK$218,138
−HK$6,686/mo
Today · 4.125%
HK$224,824
baseline
▲ 0.50% · 4.625%
HK$238,504
+HK$13,680/mo
Deposit HK$5.15M · loan HK$46.39M · min. income ≈ HK$449,648/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,190,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,355
−HK$12,716/mo
▼ 0.25% · 3.875%
HK$241,667
−HK$6,404/mo
Today · 4.125%
HK$248,071
baseline
▲ 0.50% · 4.625%
HK$261,147
+HK$13,076/mo
Deposit HK$5.15M · loan HK$46.39M · min. income ≈ HK$496,142/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,190,587 · Scale 2, in force from 26 Feb 2026)