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$118,156
−HK$7,409/mo
▼ 0.25% · 3.875%
HK$121,831
−HK$3,734/mo
Today · 4.125%
HK$125,565
baseline
▲ 0.50% · 4.625%
HK$133,205
+HK$7,640/mo
Deposit HK$25.91M · loan HK$25.91M · min. income ≈ HK$251,130/mo (50% DSR)
Upfront cash ≈ HK$28.11M (deposit + AVD stamp duty HK$2,202,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,447
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$134,972
−HK$3,577/mo
Today · 4.125%
HK$138,549
baseline
▲ 0.50% · 4.625%
HK$145,852
+HK$7,303/mo
Deposit HK$25.91M · loan HK$25.91M · min. income ≈ HK$277,098/mo (50% DSR)
Upfront cash ≈ HK$28.11M (deposit + AVD stamp duty HK$2,202,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,787
−HK$8,891/mo
▼ 0.25% · 3.875%
HK$146,197
−HK$4,481/mo
Today · 4.125%
HK$150,678
baseline
▲ 0.50% · 4.625%
HK$159,846
+HK$9,168/mo
Deposit HK$20.73M · loan HK$31.09M · min. income ≈ HK$301,356/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$2,202,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,736
−HK$8,522/mo
▼ 0.25% · 3.875%
HK$161,967
−HK$4,291/mo
Today · 4.125%
HK$166,258
baseline
▲ 0.50% · 4.625%
HK$175,022
+HK$8,764/mo
Deposit HK$20.73M · loan HK$31.09M · min. income ≈ HK$332,516/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$2,202,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,418
−HK$10,373/mo
▼ 0.25% · 3.875%
HK$170,563
−HK$5,228/mo
Today · 4.125%
HK$175,791
baseline
▲ 0.50% · 4.625%
HK$186,487
+HK$10,696/mo
Deposit HK$15.55M · loan HK$36.27M · min. income ≈ HK$351,582/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$2,202,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,026
−HK$9,942/mo
▼ 0.25% · 3.875%
HK$188,961
−HK$5,007/mo
Today · 4.125%
HK$193,968
baseline
▲ 0.50% · 4.625%
HK$204,192
+HK$10,224/mo
Deposit HK$15.55M · loan HK$36.27M · min. income ≈ HK$387,936/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$2,202,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,680
−HK$13,337/mo
▼ 0.25% · 3.875%
HK$219,296
−HK$6,721/mo
Today · 4.125%
HK$226,017
baseline
▲ 0.50% · 4.625%
HK$239,769
+HK$13,752/mo
Deposit HK$5.18M · loan HK$46.64M · min. income ≈ HK$452,034/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,202,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,604
−HK$12,783/mo
▼ 0.25% · 3.875%
HK$242,950
−HK$6,437/mo
Today · 4.125%
HK$249,387
baseline
▲ 0.50% · 4.625%
HK$262,533
+HK$13,146/mo
Deposit HK$5.18M · loan HK$46.64M · min. income ≈ HK$498,774/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,202,214 · Scale 2, in force from 26 Feb 2026)