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$118,470
−HK$7,429/mo
▼ 0.25% · 3.875%
HK$122,155
−HK$3,744/mo
Today · 4.125%
HK$125,899
baseline
▲ 0.50% · 4.625%
HK$133,560
+HK$7,661/mo
Deposit HK$25.98M · loan HK$25.98M · min. income ≈ HK$251,798/mo (50% DSR)
Upfront cash ≈ HK$28.19M (deposit + AVD stamp duty HK$2,208,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,797
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$135,332
−HK$3,585/mo
Today · 4.125%
HK$138,917
baseline
▲ 0.50% · 4.625%
HK$146,240
+HK$7,323/mo
Deposit HK$25.98M · loan HK$25.98M · min. income ≈ HK$277,834/mo (50% DSR)
Upfront cash ≈ HK$28.19M (deposit + AVD stamp duty HK$2,208,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,164
−HK$8,915/mo
▼ 0.25% · 3.875%
HK$146,586
−HK$4,493/mo
Today · 4.125%
HK$151,079
baseline
▲ 0.50% · 4.625%
HK$160,272
+HK$9,193/mo
Deposit HK$20.78M · loan HK$31.17M · min. income ≈ HK$302,158/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,208,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,156
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$162,398
−HK$4,303/mo
Today · 4.125%
HK$166,701
baseline
▲ 0.50% · 4.625%
HK$175,488
+HK$8,787/mo
Deposit HK$20.78M · loan HK$31.17M · min. income ≈ HK$333,402/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,208,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,858
−HK$10,401/mo
▼ 0.25% · 3.875%
HK$171,017
−HK$5,242/mo
Today · 4.125%
HK$176,259
baseline
▲ 0.50% · 4.625%
HK$186,984
+HK$10,725/mo
Deposit HK$15.59M · loan HK$36.37M · min. income ≈ HK$352,518/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$2,208,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,516
−HK$9,968/mo
▼ 0.25% · 3.875%
HK$189,464
−HK$5,020/mo
Today · 4.125%
HK$194,484
baseline
▲ 0.50% · 4.625%
HK$204,736
+HK$10,252/mo
Deposit HK$15.59M · loan HK$36.37M · min. income ≈ HK$388,968/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$2,208,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,246
−HK$13,373/mo
▼ 0.25% · 3.875%
HK$219,879
−HK$6,740/mo
Today · 4.125%
HK$226,619
baseline
▲ 0.50% · 4.625%
HK$240,408
+HK$13,789/mo
Deposit HK$5.20M · loan HK$46.76M · min. income ≈ HK$453,238/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,208,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,234
−HK$12,817/mo
▼ 0.25% · 3.875%
HK$243,597
−HK$6,454/mo
Today · 4.125%
HK$250,051
baseline
▲ 0.50% · 4.625%
HK$263,232
+HK$13,181/mo
Deposit HK$5.20M · loan HK$46.76M · min. income ≈ HK$500,102/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,208,077 · Scale 2, in force from 26 Feb 2026)