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$117,543
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$121,200
−HK$3,714/mo
Today · 4.125%
HK$124,914
baseline
▲ 0.50% · 4.625%
HK$132,515
+HK$7,601/mo
Deposit HK$25.77M · loan HK$25.77M · min. income ≈ HK$249,828/mo (50% DSR)
Upfront cash ≈ HK$27.96M (deposit + AVD stamp duty HK$2,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,766
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$134,273
−HK$3,558/mo
Today · 4.125%
HK$137,831
baseline
▲ 0.50% · 4.625%
HK$145,096
+HK$7,265/mo
Deposit HK$25.77M · loan HK$25.77M · min. income ≈ HK$275,662/mo (50% DSR)
Upfront cash ≈ HK$27.96M (deposit + AVD stamp duty HK$2,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,052
−HK$8,845/mo
▼ 0.25% · 3.875%
HK$145,440
−HK$4,457/mo
Today · 4.125%
HK$149,897
baseline
▲ 0.50% · 4.625%
HK$159,018
+HK$9,121/mo
Deposit HK$20.62M · loan HK$30.93M · min. income ≈ HK$299,794/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,919
−HK$8,478/mo
▼ 0.25% · 3.875%
HK$161,127
−HK$4,270/mo
Today · 4.125%
HK$165,397
baseline
▲ 0.50% · 4.625%
HK$174,115
+HK$8,718/mo
Deposit HK$20.62M · loan HK$30.93M · min. income ≈ HK$330,794/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,561
−HK$10,319/mo
▼ 0.25% · 3.875%
HK$169,679
−HK$5,201/mo
Today · 4.125%
HK$174,880
baseline
▲ 0.50% · 4.625%
HK$185,521
+HK$10,641/mo
Deposit HK$15.46M · loan HK$36.08M · min. income ≈ HK$349,760/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$2,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,072
−HK$9,891/mo
▼ 0.25% · 3.875%
HK$187,982
−HK$4,981/mo
Today · 4.125%
HK$192,963
baseline
▲ 0.50% · 4.625%
HK$203,134
+HK$10,171/mo
Deposit HK$15.46M · loan HK$36.08M · min. income ≈ HK$385,926/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$2,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,578
−HK$13,268/mo
▼ 0.25% · 3.875%
HK$218,159
−HK$6,687/mo
Today · 4.125%
HK$224,846
baseline
▲ 0.50% · 4.625%
HK$238,527
+HK$13,681/mo
Deposit HK$5.15M · loan HK$46.39M · min. income ≈ HK$449,692/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,378
−HK$12,717/mo
▼ 0.25% · 3.875%
HK$241,691
−HK$6,404/mo
Today · 4.125%
HK$248,095
baseline
▲ 0.50% · 4.625%
HK$261,173
+HK$13,078/mo
Deposit HK$5.15M · loan HK$46.39M · min. income ≈ HK$496,190/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,190,803 · Scale 2, in force from 26 Feb 2026)