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$118,483
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$122,169
−HK$3,744/mo
Today · 4.125%
HK$125,913
baseline
▲ 0.50% · 4.625%
HK$133,575
+HK$7,662/mo
Deposit HK$25.98M · loan HK$25.98M · min. income ≈ HK$251,826/mo (50% DSR)
Upfront cash ≈ HK$28.19M (deposit + AVD stamp duty HK$2,208,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,811
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$135,347
−HK$3,586/mo
Today · 4.125%
HK$138,933
baseline
▲ 0.50% · 4.625%
HK$146,256
+HK$7,323/mo
Deposit HK$25.98M · loan HK$25.98M · min. income ≈ HK$277,866/mo (50% DSR)
Upfront cash ≈ HK$28.19M (deposit + AVD stamp duty HK$2,208,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,180
−HK$8,916/mo
▼ 0.25% · 3.875%
HK$146,603
−HK$4,493/mo
Today · 4.125%
HK$151,096
baseline
▲ 0.50% · 4.625%
HK$160,290
+HK$9,194/mo
Deposit HK$20.78M · loan HK$31.18M · min. income ≈ HK$302,192/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,208,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,174
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$162,416
−HK$4,303/mo
Today · 4.125%
HK$166,719
baseline
▲ 0.50% · 4.625%
HK$175,507
+HK$8,788/mo
Deposit HK$20.78M · loan HK$31.18M · min. income ≈ HK$333,438/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,208,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,877
−HK$10,402/mo
▼ 0.25% · 3.875%
HK$171,036
−HK$5,243/mo
Today · 4.125%
HK$176,279
baseline
▲ 0.50% · 4.625%
HK$187,005
+HK$10,726/mo
Deposit HK$15.59M · loan HK$36.37M · min. income ≈ HK$352,558/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$2,208,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,536
−HK$9,970/mo
▼ 0.25% · 3.875%
HK$189,485
−HK$5,021/mo
Today · 4.125%
HK$194,506
baseline
▲ 0.50% · 4.625%
HK$204,759
+HK$10,253/mo
Deposit HK$15.59M · loan HK$36.37M · min. income ≈ HK$389,012/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$2,208,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,270
−HK$13,374/mo
▼ 0.25% · 3.875%
HK$219,904
−HK$6,740/mo
Today · 4.125%
HK$226,644
baseline
▲ 0.50% · 4.625%
HK$240,435
+HK$13,791/mo
Deposit HK$5.20M · loan HK$46.76M · min. income ≈ HK$453,288/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,208,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,261
−HK$12,818/mo
▼ 0.25% · 3.875%
HK$243,624
−HK$6,455/mo
Today · 4.125%
HK$250,079
baseline
▲ 0.50% · 4.625%
HK$263,261
+HK$13,182/mo
Deposit HK$5.20M · loan HK$46.76M · min. income ≈ HK$500,158/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,208,323 · Scale 2, in force from 26 Feb 2026)