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$117,485
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$121,139
−HK$3,713/mo
Today · 4.125%
HK$124,852
baseline
▲ 0.50% · 4.625%
HK$132,449
+HK$7,597/mo
Deposit HK$25.76M · loan HK$25.76M · min. income ≈ HK$249,704/mo (50% DSR)
Upfront cash ≈ HK$27.95M (deposit + AVD stamp duty HK$2,189,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,701
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$134,206
−HK$3,556/mo
Today · 4.125%
HK$137,762
baseline
▲ 0.50% · 4.625%
HK$145,024
+HK$7,262/mo
Deposit HK$25.76M · loan HK$25.76M · min. income ≈ HK$275,524/mo (50% DSR)
Upfront cash ≈ HK$27.95M (deposit + AVD stamp duty HK$2,189,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,982
−HK$8,841/mo
▼ 0.25% · 3.875%
HK$145,367
−HK$4,456/mo
Today · 4.125%
HK$149,823
baseline
▲ 0.50% · 4.625%
HK$158,939
+HK$9,116/mo
Deposit HK$20.61M · loan HK$30.91M · min. income ≈ HK$299,646/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$2,189,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,841
−HK$8,474/mo
▼ 0.25% · 3.875%
HK$161,047
−HK$4,268/mo
Today · 4.125%
HK$165,315
baseline
▲ 0.50% · 4.625%
HK$174,028
+HK$8,713/mo
Deposit HK$20.61M · loan HK$30.91M · min. income ≈ HK$330,630/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$2,189,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,479
−HK$10,314/mo
▼ 0.25% · 3.875%
HK$169,595
−HK$5,198/mo
Today · 4.125%
HK$174,793
baseline
▲ 0.50% · 4.625%
HK$185,429
+HK$10,636/mo
Deposit HK$15.46M · loan HK$36.07M · min. income ≈ HK$349,586/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$2,189,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,981
−HK$9,886/mo
▼ 0.25% · 3.875%
HK$187,888
−HK$4,979/mo
Today · 4.125%
HK$192,867
baseline
▲ 0.50% · 4.625%
HK$203,033
+HK$10,166/mo
Deposit HK$15.46M · loan HK$36.07M · min. income ≈ HK$385,734/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$2,189,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,473
−HK$13,261/mo
▼ 0.25% · 3.875%
HK$218,051
−HK$6,683/mo
Today · 4.125%
HK$224,734
baseline
▲ 0.50% · 4.625%
HK$238,408
+HK$13,674/mo
Deposit HK$5.15M · loan HK$46.37M · min. income ≈ HK$449,468/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,189,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,261
−HK$12,711/mo
▼ 0.25% · 3.875%
HK$241,571
−HK$6,401/mo
Today · 4.125%
HK$247,972
baseline
▲ 0.50% · 4.625%
HK$261,043
+HK$13,071/mo
Deposit HK$5.15M · loan HK$46.37M · min. income ≈ HK$495,944/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,189,713 · Scale 2, in force from 26 Feb 2026)