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$117,873
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$121,539
−HK$3,725/mo
Today · 4.125%
HK$125,264
baseline
▲ 0.50% · 4.625%
HK$132,886
+HK$7,622/mo
Deposit HK$25.85M · loan HK$25.85M · min. income ≈ HK$250,528/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,196,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,132
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$134,649
−HK$3,568/mo
Today · 4.125%
HK$138,217
baseline
▲ 0.50% · 4.625%
HK$145,502
+HK$7,285/mo
Deposit HK$25.85M · loan HK$25.85M · min. income ≈ HK$276,434/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,196,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,447
−HK$8,870/mo
▼ 0.25% · 3.875%
HK$145,847
−HK$4,470/mo
Today · 4.125%
HK$150,317
baseline
▲ 0.50% · 4.625%
HK$159,463
+HK$9,146/mo
Deposit HK$20.68M · loan HK$31.02M · min. income ≈ HK$300,634/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,196,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,358
−HK$8,502/mo
▼ 0.25% · 3.875%
HK$161,579
−HK$4,281/mo
Today · 4.125%
HK$165,860
baseline
▲ 0.50% · 4.625%
HK$174,603
+HK$8,743/mo
Deposit HK$20.68M · loan HK$31.02M · min. income ≈ HK$331,720/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,196,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,022
−HK$10,348/mo
▼ 0.25% · 3.875%
HK$170,155
−HK$5,215/mo
Today · 4.125%
HK$175,370
baseline
▲ 0.50% · 4.625%
HK$186,041
+HK$10,671/mo
Deposit HK$15.51M · loan HK$36.18M · min. income ≈ HK$350,740/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$2,196,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,585
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$188,508
−HK$4,995/mo
Today · 4.125%
HK$193,503
baseline
▲ 0.50% · 4.625%
HK$203,703
+HK$10,200/mo
Deposit HK$15.51M · loan HK$36.18M · min. income ≈ HK$387,006/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$2,196,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,171
−HK$13,305/mo
▼ 0.25% · 3.875%
HK$218,770
−HK$6,706/mo
Today · 4.125%
HK$225,476
baseline
▲ 0.50% · 4.625%
HK$239,195
+HK$13,719/mo
Deposit HK$5.17M · loan HK$46.52M · min. income ≈ HK$450,952/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,196,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,038
−HK$12,752/mo
▼ 0.25% · 3.875%
HK$242,368
−HK$6,422/mo
Today · 4.125%
HK$248,790
baseline
▲ 0.50% · 4.625%
HK$261,904
+HK$13,114/mo
Deposit HK$5.17M · loan HK$46.52M · min. income ≈ HK$497,580/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$2,196,939 · Scale 2, in force from 26 Feb 2026)