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$118,204
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$121,880
−HK$3,736/mo
Today · 4.125%
HK$125,616
baseline
▲ 0.50% · 4.625%
HK$133,260
+HK$7,644/mo
Deposit HK$25.92M · loan HK$25.92M · min. income ≈ HK$251,232/mo (50% DSR)
Upfront cash ≈ HK$28.12M (deposit + AVD stamp duty HK$2,203,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,500
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,027
−HK$3,578/mo
Today · 4.125%
HK$138,605
baseline
▲ 0.50% · 4.625%
HK$145,911
+HK$7,306/mo
Deposit HK$25.92M · loan HK$25.92M · min. income ≈ HK$277,210/mo (50% DSR)
Upfront cash ≈ HK$28.12M (deposit + AVD stamp duty HK$2,203,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,844
−HK$8,895/mo
▼ 0.25% · 3.875%
HK$146,257
−HK$4,482/mo
Today · 4.125%
HK$150,739
baseline
▲ 0.50% · 4.625%
HK$159,911
+HK$9,172/mo
Deposit HK$20.74M · loan HK$31.10M · min. income ≈ HK$301,478/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$2,203,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,800
−HK$8,526/mo
▼ 0.25% · 3.875%
HK$162,033
−HK$4,293/mo
Today · 4.125%
HK$166,326
baseline
▲ 0.50% · 4.625%
HK$175,093
+HK$8,767/mo
Deposit HK$20.74M · loan HK$31.10M · min. income ≈ HK$332,652/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$2,203,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,485
−HK$10,378/mo
▼ 0.25% · 3.875%
HK$170,633
−HK$5,230/mo
Today · 4.125%
HK$175,863
baseline
▲ 0.50% · 4.625%
HK$186,563
+HK$10,700/mo
Deposit HK$15.55M · loan HK$36.29M · min. income ≈ HK$351,726/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$2,203,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,101
−HK$9,946/mo
▼ 0.25% · 3.875%
HK$189,038
−HK$5,009/mo
Today · 4.125%
HK$194,047
baseline
▲ 0.50% · 4.625%
HK$204,275
+HK$10,228/mo
Deposit HK$15.55M · loan HK$36.29M · min. income ≈ HK$388,094/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$2,203,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,767
−HK$13,342/mo
▼ 0.25% · 3.875%
HK$219,385
−HK$6,724/mo
Today · 4.125%
HK$226,109
baseline
▲ 0.50% · 4.625%
HK$239,867
+HK$13,758/mo
Deposit HK$5.18M · loan HK$46.65M · min. income ≈ HK$452,218/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,203,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,701
−HK$12,788/mo
▼ 0.25% · 3.875%
HK$243,049
−HK$6,440/mo
Today · 4.125%
HK$249,489
baseline
▲ 0.50% · 4.625%
HK$262,640
+HK$13,151/mo
Deposit HK$5.18M · loan HK$46.65M · min. income ≈ HK$498,978/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,203,110 · Scale 2, in force from 26 Feb 2026)