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$117,554
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,211
−HK$3,715/mo
Today · 4.125%
HK$124,926
baseline
▲ 0.50% · 4.625%
HK$132,527
+HK$7,601/mo
Deposit HK$25.78M · loan HK$25.78M · min. income ≈ HK$249,852/mo (50% DSR)
Upfront cash ≈ HK$27.97M (deposit + AVD stamp duty HK$2,191,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,778
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$134,285
−HK$3,558/mo
Today · 4.125%
HK$137,843
baseline
▲ 0.50% · 4.625%
HK$145,109
+HK$7,266/mo
Deposit HK$25.78M · loan HK$25.78M · min. income ≈ HK$275,686/mo (50% DSR)
Upfront cash ≈ HK$27.97M (deposit + AVD stamp duty HK$2,191,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,065
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$145,453
−HK$4,458/mo
Today · 4.125%
HK$149,911
baseline
▲ 0.50% · 4.625%
HK$159,032
+HK$9,121/mo
Deposit HK$20.62M · loan HK$30.93M · min. income ≈ HK$299,822/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,191,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,933
−HK$8,479/mo
▼ 0.25% · 3.875%
HK$161,142
−HK$4,270/mo
Today · 4.125%
HK$165,412
baseline
▲ 0.50% · 4.625%
HK$174,131
+HK$8,719/mo
Deposit HK$20.62M · loan HK$30.93M · min. income ≈ HK$330,824/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,191,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,576
−HK$10,320/mo
▼ 0.25% · 3.875%
HK$169,695
−HK$5,201/mo
Today · 4.125%
HK$174,896
baseline
▲ 0.50% · 4.625%
HK$185,538
+HK$10,642/mo
Deposit HK$15.47M · loan HK$36.09M · min. income ≈ HK$349,792/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$2,191,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,089
−HK$9,891/mo
▼ 0.25% · 3.875%
HK$187,999
−HK$4,981/mo
Today · 4.125%
HK$192,980
baseline
▲ 0.50% · 4.625%
HK$203,153
+HK$10,173/mo
Deposit HK$15.47M · loan HK$36.09M · min. income ≈ HK$385,960/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$2,191,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,597
−HK$13,269/mo
▼ 0.25% · 3.875%
HK$218,179
−HK$6,687/mo
Today · 4.125%
HK$224,866
baseline
▲ 0.50% · 4.625%
HK$238,549
+HK$13,683/mo
Deposit HK$5.16M · loan HK$46.40M · min. income ≈ HK$449,732/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,191,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,400
−HK$12,718/mo
▼ 0.25% · 3.875%
HK$241,713
−HK$6,405/mo
Today · 4.125%
HK$248,118
baseline
▲ 0.50% · 4.625%
HK$261,196
+HK$13,078/mo
Deposit HK$5.16M · loan HK$46.40M · min. income ≈ HK$496,236/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,191,001 · Scale 2, in force from 26 Feb 2026)