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$118,133
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,807
−HK$3,734/mo
Today · 4.125%
HK$125,541
baseline
▲ 0.50% · 4.625%
HK$133,179
+HK$7,638/mo
Deposit HK$25.90M · loan HK$25.90M · min. income ≈ HK$251,082/mo (50% DSR)
Upfront cash ≈ HK$28.11M (deposit + AVD stamp duty HK$2,201,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,421
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$134,946
−HK$3,576/mo
Today · 4.125%
HK$138,522
baseline
▲ 0.50% · 4.625%
HK$145,823
+HK$7,301/mo
Deposit HK$25.90M · loan HK$25.90M · min. income ≈ HK$277,044/mo (50% DSR)
Upfront cash ≈ HK$28.11M (deposit + AVD stamp duty HK$2,201,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,759
−HK$8,890/mo
▼ 0.25% · 3.875%
HK$146,169
−HK$4,480/mo
Today · 4.125%
HK$150,649
baseline
▲ 0.50% · 4.625%
HK$159,815
+HK$9,166/mo
Deposit HK$20.72M · loan HK$31.08M · min. income ≈ HK$301,298/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$2,201,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,706
−HK$8,520/mo
▼ 0.25% · 3.875%
HK$161,935
−HK$4,291/mo
Today · 4.125%
HK$166,226
baseline
▲ 0.50% · 4.625%
HK$174,988
+HK$8,762/mo
Deposit HK$20.72M · loan HK$31.08M · min. income ≈ HK$332,452/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$2,201,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,386
−HK$10,371/mo
▼ 0.25% · 3.875%
HK$170,530
−HK$5,227/mo
Today · 4.125%
HK$175,757
baseline
▲ 0.50% · 4.625%
HK$186,451
+HK$10,694/mo
Deposit HK$15.54M · loan HK$36.26M · min. income ≈ HK$351,514/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,201,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,990
−HK$9,940/mo
▼ 0.25% · 3.875%
HK$188,924
−HK$5,006/mo
Today · 4.125%
HK$193,930
baseline
▲ 0.50% · 4.625%
HK$204,153
+HK$10,223/mo
Deposit HK$15.54M · loan HK$36.26M · min. income ≈ HK$387,860/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$2,201,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,639
−HK$13,334/mo
▼ 0.25% · 3.875%
HK$219,253
−HK$6,720/mo
Today · 4.125%
HK$225,973
baseline
▲ 0.50% · 4.625%
HK$239,723
+HK$13,750/mo
Deposit HK$5.18M · loan HK$46.63M · min. income ≈ HK$451,946/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,201,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,559
−HK$12,780/mo
▼ 0.25% · 3.875%
HK$242,903
−HK$6,436/mo
Today · 4.125%
HK$249,339
baseline
▲ 0.50% · 4.625%
HK$262,482
+HK$13,143/mo
Deposit HK$5.18M · loan HK$46.63M · min. income ≈ HK$498,678/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$2,201,787 · Scale 2, in force from 26 Feb 2026)