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$117,961
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$121,630
−HK$3,728/mo
Today · 4.125%
HK$125,358
baseline
▲ 0.50% · 4.625%
HK$132,986
+HK$7,628/mo
Deposit HK$25.87M · loan HK$25.87M · min. income ≈ HK$250,716/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,230
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$134,750
−HK$3,570/mo
Today · 4.125%
HK$138,320
baseline
▲ 0.50% · 4.625%
HK$145,611
+HK$7,291/mo
Deposit HK$25.87M · loan HK$25.87M · min. income ≈ HK$276,640/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,553
−HK$8,877/mo
▼ 0.25% · 3.875%
HK$145,956
−HK$4,474/mo
Today · 4.125%
HK$150,430
baseline
▲ 0.50% · 4.625%
HK$159,583
+HK$9,153/mo
Deposit HK$20.69M · loan HK$31.04M · min. income ≈ HK$300,860/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,477
−HK$8,507/mo
▼ 0.25% · 3.875%
HK$161,700
−HK$4,284/mo
Today · 4.125%
HK$165,984
baseline
▲ 0.50% · 4.625%
HK$174,734
+HK$8,750/mo
Deposit HK$20.69M · loan HK$31.04M · min. income ≈ HK$331,968/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,145
−HK$10,356/mo
▼ 0.25% · 3.875%
HK$170,282
−HK$5,219/mo
Today · 4.125%
HK$175,501
baseline
▲ 0.50% · 4.625%
HK$186,180
+HK$10,679/mo
Deposit HK$15.52M · loan HK$36.21M · min. income ≈ HK$351,002/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,723
−HK$9,926/mo
▼ 0.25% · 3.875%
HK$188,650
−HK$4,999/mo
Today · 4.125%
HK$193,649
baseline
▲ 0.50% · 4.625%
HK$203,856
+HK$10,207/mo
Deposit HK$15.52M · loan HK$36.21M · min. income ≈ HK$387,298/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,330
−HK$13,315/mo
▼ 0.25% · 3.875%
HK$218,934
−HK$6,711/mo
Today · 4.125%
HK$225,645
baseline
▲ 0.50% · 4.625%
HK$239,375
+HK$13,730/mo
Deposit HK$5.17M · loan HK$46.56M · min. income ≈ HK$451,290/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,215
−HK$12,762/mo
▼ 0.25% · 3.875%
HK$242,550
−HK$6,427/mo
Today · 4.125%
HK$248,977
baseline
▲ 0.50% · 4.625%
HK$262,101
+HK$13,124/mo
Deposit HK$5.17M · loan HK$46.56M · min. income ≈ HK$497,954/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,588 · Scale 2, in force from 26 Feb 2026)