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$117,631
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$121,290
−HK$3,717/mo
Today · 4.125%
HK$125,007
baseline
▲ 0.50% · 4.625%
HK$132,614
+HK$7,607/mo
Deposit HK$25.79M · loan HK$25.79M · min. income ≈ HK$250,014/mo (50% DSR)
Upfront cash ≈ HK$27.99M (deposit + AVD stamp duty HK$2,192,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,863
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$134,373
−HK$3,560/mo
Today · 4.125%
HK$137,933
baseline
▲ 0.50% · 4.625%
HK$145,204
+HK$7,271/mo
Deposit HK$25.79M · loan HK$25.79M · min. income ≈ HK$275,866/mo (50% DSR)
Upfront cash ≈ HK$27.99M (deposit + AVD stamp duty HK$2,192,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,157
−HK$8,852/mo
▼ 0.25% · 3.875%
HK$145,548
−HK$4,461/mo
Today · 4.125%
HK$150,009
baseline
▲ 0.50% · 4.625%
HK$159,136
+HK$9,127/mo
Deposit HK$20.63M · loan HK$30.95M · min. income ≈ HK$300,018/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$2,192,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,036
−HK$8,484/mo
▼ 0.25% · 3.875%
HK$161,247
−HK$4,273/mo
Today · 4.125%
HK$165,520
baseline
▲ 0.50% · 4.625%
HK$174,244
+HK$8,724/mo
Deposit HK$20.63M · loan HK$30.95M · min. income ≈ HK$331,040/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$2,192,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,683
−HK$10,327/mo
▼ 0.25% · 3.875%
HK$169,806
−HK$5,204/mo
Today · 4.125%
HK$175,010
baseline
▲ 0.50% · 4.625%
HK$185,659
+HK$10,649/mo
Deposit HK$15.48M · loan HK$36.11M · min. income ≈ HK$350,020/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$2,192,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,208
−HK$9,898/mo
▼ 0.25% · 3.875%
HK$188,122
−HK$4,984/mo
Today · 4.125%
HK$193,106
baseline
▲ 0.50% · 4.625%
HK$203,285
+HK$10,179/mo
Deposit HK$15.48M · loan HK$36.11M · min. income ≈ HK$386,212/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$2,192,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,735
−HK$13,278/mo
▼ 0.25% · 3.875%
HK$218,321
−HK$6,692/mo
Today · 4.125%
HK$225,013
baseline
▲ 0.50% · 4.625%
HK$238,704
+HK$13,691/mo
Deposit HK$5.16M · loan HK$46.43M · min. income ≈ HK$450,026/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,192,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,553
−HK$12,727/mo
▼ 0.25% · 3.875%
HK$241,871
−HK$6,409/mo
Today · 4.125%
HK$248,280
baseline
▲ 0.50% · 4.625%
HK$261,367
+HK$13,087/mo
Deposit HK$5.16M · loan HK$46.43M · min. income ≈ HK$496,560/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,192,431 · Scale 2, in force from 26 Feb 2026)