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$118,136
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,810
−HK$3,734/mo
Today · 4.125%
HK$125,544
baseline
▲ 0.50% · 4.625%
HK$133,183
+HK$7,639/mo
Deposit HK$25.90M · loan HK$25.90M · min. income ≈ HK$251,088/mo (50% DSR)
Upfront cash ≈ HK$28.11M (deposit + AVD stamp duty HK$2,201,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,425
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$134,949
−HK$3,576/mo
Today · 4.125%
HK$138,525
baseline
▲ 0.50% · 4.625%
HK$145,827
+HK$7,302/mo
Deposit HK$25.90M · loan HK$25.90M · min. income ≈ HK$277,050/mo (50% DSR)
Upfront cash ≈ HK$28.11M (deposit + AVD stamp duty HK$2,201,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,763
−HK$8,889/mo
▼ 0.25% · 3.875%
HK$146,172
−HK$4,480/mo
Today · 4.125%
HK$150,652
baseline
▲ 0.50% · 4.625%
HK$159,819
+HK$9,167/mo
Deposit HK$20.72M · loan HK$31.08M · min. income ≈ HK$301,304/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$2,201,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,710
−HK$8,520/mo
▼ 0.25% · 3.875%
HK$161,939
−HK$4,291/mo
Today · 4.125%
HK$166,230
baseline
▲ 0.50% · 4.625%
HK$174,992
+HK$8,762/mo
Deposit HK$20.72M · loan HK$31.08M · min. income ≈ HK$332,460/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$2,201,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,390
−HK$10,371/mo
▼ 0.25% · 3.875%
HK$170,534
−HK$5,227/mo
Today · 4.125%
HK$175,761
baseline
▲ 0.50% · 4.625%
HK$186,456
+HK$10,695/mo
Deposit HK$15.54M · loan HK$36.27M · min. income ≈ HK$351,522/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,201,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,995
−HK$9,940/mo
▼ 0.25% · 3.875%
HK$188,929
−HK$5,006/mo
Today · 4.125%
HK$193,935
baseline
▲ 0.50% · 4.625%
HK$204,158
+HK$10,223/mo
Deposit HK$15.54M · loan HK$36.27M · min. income ≈ HK$387,870/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,201,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,644
−HK$13,335/mo
▼ 0.25% · 3.875%
HK$219,259
−HK$6,720/mo
Today · 4.125%
HK$225,979
baseline
▲ 0.50% · 4.625%
HK$239,729
+HK$13,750/mo
Deposit HK$5.18M · loan HK$46.63M · min. income ≈ HK$451,958/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,201,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,564
−HK$12,781/mo
▼ 0.25% · 3.875%
HK$242,909
−HK$6,436/mo
Today · 4.125%
HK$249,345
baseline
▲ 0.50% · 4.625%
HK$262,489
+HK$13,144/mo
Deposit HK$5.18M · loan HK$46.63M · min. income ≈ HK$498,690/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,201,842 · Scale 2, in force from 26 Feb 2026)