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$117,708
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$121,369
−HK$3,720/mo
Today · 4.125%
HK$125,089
baseline
▲ 0.50% · 4.625%
HK$132,700
+HK$7,611/mo
Deposit HK$25.81M · loan HK$25.81M · min. income ≈ HK$250,178/mo (50% DSR)
Upfront cash ≈ HK$28.00M (deposit + AVD stamp duty HK$2,193,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,949
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$134,461
−HK$3,563/mo
Today · 4.125%
HK$138,024
baseline
▲ 0.50% · 4.625%
HK$145,299
+HK$7,275/mo
Deposit HK$25.81M · loan HK$25.81M · min. income ≈ HK$276,048/mo (50% DSR)
Upfront cash ≈ HK$28.00M (deposit + AVD stamp duty HK$2,193,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,249
−HK$8,858/mo
▼ 0.25% · 3.875%
HK$145,643
−HK$4,464/mo
Today · 4.125%
HK$150,107
baseline
▲ 0.50% · 4.625%
HK$159,241
+HK$9,134/mo
Deposit HK$20.65M · loan HK$30.97M · min. income ≈ HK$300,214/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$2,193,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,138
−HK$8,490/mo
▼ 0.25% · 3.875%
HK$161,353
−HK$4,275/mo
Today · 4.125%
HK$165,628
baseline
▲ 0.50% · 4.625%
HK$174,359
+HK$8,731/mo
Deposit HK$20.65M · loan HK$30.97M · min. income ≈ HK$331,256/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$2,193,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,791
−HK$10,334/mo
▼ 0.25% · 3.875%
HK$169,917
−HK$5,208/mo
Today · 4.125%
HK$175,125
baseline
▲ 0.50% · 4.625%
HK$185,781
+HK$10,656/mo
Deposit HK$15.49M · loan HK$36.13M · min. income ≈ HK$350,250/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$2,193,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,328
−HK$9,905/mo
▼ 0.25% · 3.875%
HK$188,245
−HK$4,988/mo
Today · 4.125%
HK$193,233
baseline
▲ 0.50% · 4.625%
HK$203,418
+HK$10,185/mo
Deposit HK$15.49M · loan HK$36.13M · min. income ≈ HK$386,466/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$2,193,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,874
−HK$13,286/mo
▼ 0.25% · 3.875%
HK$218,465
−HK$6,695/mo
Today · 4.125%
HK$225,160
baseline
▲ 0.50% · 4.625%
HK$238,861
+HK$13,701/mo
Deposit HK$5.16M · loan HK$46.46M · min. income ≈ HK$450,320/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,193,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,708
−HK$12,734/mo
▼ 0.25% · 3.875%
HK$242,029
−HK$6,413/mo
Today · 4.125%
HK$248,442
baseline
▲ 0.50% · 4.625%
HK$261,538
+HK$13,096/mo
Deposit HK$5.16M · loan HK$46.46M · min. income ≈ HK$496,884/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,193,868 · Scale 2, in force from 26 Feb 2026)