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$117,950
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$121,619
−HK$3,727/mo
Today · 4.125%
HK$125,346
baseline
▲ 0.50% · 4.625%
HK$132,973
+HK$7,627/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$250,692/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,218
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,737
−HK$3,570/mo
Today · 4.125%
HK$138,307
baseline
▲ 0.50% · 4.625%
HK$145,598
+HK$7,291/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$276,614/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,540
−HK$8,876/mo
▼ 0.25% · 3.875%
HK$145,942
−HK$4,474/mo
Today · 4.125%
HK$150,416
baseline
▲ 0.50% · 4.625%
HK$159,568
+HK$9,152/mo
Deposit HK$20.69M · loan HK$31.04M · min. income ≈ HK$300,832/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,462
−HK$8,507/mo
▼ 0.25% · 3.875%
HK$161,685
−HK$4,284/mo
Today · 4.125%
HK$165,969
baseline
▲ 0.50% · 4.625%
HK$174,717
+HK$8,748/mo
Deposit HK$20.69M · loan HK$31.04M · min. income ≈ HK$331,938/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,130
−HK$10,355/mo
▼ 0.25% · 3.875%
HK$170,266
−HK$5,219/mo
Today · 4.125%
HK$175,485
baseline
▲ 0.50% · 4.625%
HK$186,163
+HK$10,678/mo
Deposit HK$15.52M · loan HK$36.21M · min. income ≈ HK$350,970/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,705
−HK$9,925/mo
▼ 0.25% · 3.875%
HK$188,632
−HK$4,998/mo
Today · 4.125%
HK$193,630
baseline
▲ 0.50% · 4.625%
HK$203,837
+HK$10,207/mo
Deposit HK$15.52M · loan HK$36.21M · min. income ≈ HK$387,260/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,310
−HK$13,313/mo
▼ 0.25% · 3.875%
HK$218,914
−HK$6,709/mo
Today · 4.125%
HK$225,623
baseline
▲ 0.50% · 4.625%
HK$239,352
+HK$13,729/mo
Deposit HK$5.17M · loan HK$46.55M · min. income ≈ HK$451,246/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,192
−HK$12,761/mo
▼ 0.25% · 3.875%
HK$242,527
−HK$6,426/mo
Today · 4.125%
HK$248,953
baseline
▲ 0.50% · 4.625%
HK$262,076
+HK$13,123/mo
Deposit HK$5.17M · loan HK$46.55M · min. income ≈ HK$497,906/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,378 · Scale 2, in force from 26 Feb 2026)