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$118,128
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,802
−HK$3,734/mo
Today · 4.125%
HK$125,536
baseline
▲ 0.50% · 4.625%
HK$133,174
+HK$7,638/mo
Deposit HK$25.90M · loan HK$25.90M · min. income ≈ HK$251,072/mo (50% DSR)
Upfront cash ≈ HK$28.10M (deposit + AVD stamp duty HK$2,201,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,416
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$134,941
−HK$3,575/mo
Today · 4.125%
HK$138,516
baseline
▲ 0.50% · 4.625%
HK$145,818
+HK$7,302/mo
Deposit HK$25.90M · loan HK$25.90M · min. income ≈ HK$277,032/mo (50% DSR)
Upfront cash ≈ HK$28.10M (deposit + AVD stamp duty HK$2,201,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,754
−HK$8,889/mo
▼ 0.25% · 3.875%
HK$146,163
−HK$4,480/mo
Today · 4.125%
HK$150,643
baseline
▲ 0.50% · 4.625%
HK$159,809
+HK$9,166/mo
Deposit HK$20.72M · loan HK$31.08M · min. income ≈ HK$301,286/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$2,201,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,699
−HK$8,520/mo
▼ 0.25% · 3.875%
HK$161,929
−HK$4,290/mo
Today · 4.125%
HK$166,219
baseline
▲ 0.50% · 4.625%
HK$174,981
+HK$8,762/mo
Deposit HK$20.72M · loan HK$31.08M · min. income ≈ HK$332,438/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$2,201,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,379
−HK$10,371/mo
▼ 0.25% · 3.875%
HK$170,523
−HK$5,227/mo
Today · 4.125%
HK$175,750
baseline
▲ 0.50% · 4.625%
HK$186,444
+HK$10,694/mo
Deposit HK$15.54M · loan HK$36.26M · min. income ≈ HK$351,500/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,201,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,983
−HK$9,940/mo
▼ 0.25% · 3.875%
HK$188,917
−HK$5,006/mo
Today · 4.125%
HK$193,923
baseline
▲ 0.50% · 4.625%
HK$204,145
+HK$10,222/mo
Deposit HK$15.54M · loan HK$36.26M · min. income ≈ HK$387,846/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,201,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,630
−HK$13,334/mo
▼ 0.25% · 3.875%
HK$219,244
−HK$6,720/mo
Today · 4.125%
HK$225,964
baseline
▲ 0.50% · 4.625%
HK$239,714
+HK$13,750/mo
Deposit HK$5.18M · loan HK$46.62M · min. income ≈ HK$451,928/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,201,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,549
−HK$12,780/mo
▼ 0.25% · 3.875%
HK$242,893
−HK$6,436/mo
Today · 4.125%
HK$249,329
baseline
▲ 0.50% · 4.625%
HK$262,472
+HK$13,143/mo
Deposit HK$5.18M · loan HK$46.62M · min. income ≈ HK$498,658/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,201,700 · Scale 2, in force from 26 Feb 2026)