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$118,355
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$122,036
−HK$3,740/mo
Today · 4.125%
HK$125,776
baseline
▲ 0.50% · 4.625%
HK$133,430
+HK$7,654/mo
Deposit HK$25.95M · loan HK$25.95M · min. income ≈ HK$251,552/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$2,205,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,668
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$135,200
−HK$3,582/mo
Today · 4.125%
HK$138,782
baseline
▲ 0.50% · 4.625%
HK$146,097
+HK$7,315/mo
Deposit HK$25.95M · loan HK$25.95M · min. income ≈ HK$277,564/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$2,205,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,025
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$146,443
−HK$4,489/mo
Today · 4.125%
HK$150,932
baseline
▲ 0.50% · 4.625%
HK$160,116
+HK$9,184/mo
Deposit HK$20.76M · loan HK$31.14M · min. income ≈ HK$301,864/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$2,205,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,002
−HK$8,536/mo
▼ 0.25% · 3.875%
HK$162,239
−HK$4,299/mo
Today · 4.125%
HK$166,538
baseline
▲ 0.50% · 4.625%
HK$175,317
+HK$8,779/mo
Deposit HK$20.76M · loan HK$31.14M · min. income ≈ HK$333,076/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$2,205,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,696
−HK$10,391/mo
▼ 0.25% · 3.875%
HK$170,850
−HK$5,237/mo
Today · 4.125%
HK$176,087
baseline
▲ 0.50% · 4.625%
HK$186,801
+HK$10,714/mo
Deposit HK$15.57M · loan HK$36.33M · min. income ≈ HK$352,174/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$2,205,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,336
−HK$9,959/mo
▼ 0.25% · 3.875%
HK$189,279
−HK$5,016/mo
Today · 4.125%
HK$194,295
baseline
▲ 0.50% · 4.625%
HK$204,536
+HK$10,241/mo
Deposit HK$15.57M · loan HK$36.33M · min. income ≈ HK$388,590/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$2,205,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,038
−HK$13,360/mo
▼ 0.25% · 3.875%
HK$219,665
−HK$6,733/mo
Today · 4.125%
HK$226,398
baseline
▲ 0.50% · 4.625%
HK$240,173
+HK$13,775/mo
Deposit HK$5.19M · loan HK$46.71M · min. income ≈ HK$452,796/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,205,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,003
−HK$12,804/mo
▼ 0.25% · 3.875%
HK$243,359
−HK$6,448/mo
Today · 4.125%
HK$249,807
baseline
▲ 0.50% · 4.625%
HK$262,975
+HK$13,168/mo
Deposit HK$5.19M · loan HK$46.71M · min. income ≈ HK$499,614/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,205,923 · Scale 2, in force from 26 Feb 2026)