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$117,953
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$121,622
−HK$3,728/mo
Today · 4.125%
HK$125,350
baseline
▲ 0.50% · 4.625%
HK$132,977
+HK$7,627/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$250,700/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,221
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$134,741
−HK$3,570/mo
Today · 4.125%
HK$138,311
baseline
▲ 0.50% · 4.625%
HK$145,601
+HK$7,290/mo
Deposit HK$25.86M · loan HK$25.86M · min. income ≈ HK$276,622/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,198,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,543
−HK$8,876/mo
▼ 0.25% · 3.875%
HK$145,946
−HK$4,473/mo
Today · 4.125%
HK$150,419
baseline
▲ 0.50% · 4.625%
HK$159,572
+HK$9,153/mo
Deposit HK$20.69M · loan HK$31.04M · min. income ≈ HK$300,838/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,466
−HK$8,507/mo
▼ 0.25% · 3.875%
HK$161,689
−HK$4,284/mo
Today · 4.125%
HK$165,973
baseline
▲ 0.50% · 4.625%
HK$174,722
+HK$8,749/mo
Deposit HK$20.69M · loan HK$31.04M · min. income ≈ HK$331,946/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,198,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,134
−HK$10,355/mo
▼ 0.25% · 3.875%
HK$170,271
−HK$5,218/mo
Today · 4.125%
HK$175,489
baseline
▲ 0.50% · 4.625%
HK$186,168
+HK$10,679/mo
Deposit HK$15.52M · loan HK$36.21M · min. income ≈ HK$350,978/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,710
−HK$9,925/mo
▼ 0.25% · 3.875%
HK$188,637
−HK$4,998/mo
Today · 4.125%
HK$193,635
baseline
▲ 0.50% · 4.625%
HK$203,842
+HK$10,207/mo
Deposit HK$15.52M · loan HK$36.21M · min. income ≈ HK$387,270/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$2,198,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,315
−HK$13,314/mo
▼ 0.25% · 3.875%
HK$218,919
−HK$6,710/mo
Today · 4.125%
HK$225,629
baseline
▲ 0.50% · 4.625%
HK$239,358
+HK$13,729/mo
Deposit HK$5.17M · loan HK$46.56M · min. income ≈ HK$451,258/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,199
−HK$12,761/mo
▼ 0.25% · 3.875%
HK$242,533
−HK$6,427/mo
Today · 4.125%
HK$248,960
baseline
▲ 0.50% · 4.625%
HK$262,083
+HK$13,123/mo
Deposit HK$5.17M · loan HK$46.56M · min. income ≈ HK$497,920/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,198,436 · Scale 2, in force from 26 Feb 2026)