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$117,432
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,085
−HK$3,711/mo
Today · 4.125%
HK$124,796
baseline
▲ 0.50% · 4.625%
HK$132,390
+HK$7,594/mo
Deposit HK$25.75M · loan HK$25.75M · min. income ≈ HK$249,592/mo (50% DSR)
Upfront cash ≈ HK$27.94M (deposit + AVD stamp duty HK$2,188,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,642
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$134,146
−HK$3,554/mo
Today · 4.125%
HK$137,700
baseline
▲ 0.50% · 4.625%
HK$144,959
+HK$7,259/mo
Deposit HK$25.75M · loan HK$25.75M · min. income ≈ HK$275,400/mo (50% DSR)
Upfront cash ≈ HK$27.94M (deposit + AVD stamp duty HK$2,188,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,919
−HK$8,837/mo
▼ 0.25% · 3.875%
HK$145,302
−HK$4,454/mo
Today · 4.125%
HK$149,756
baseline
▲ 0.50% · 4.625%
HK$158,868
+HK$9,112/mo
Deposit HK$20.60M · loan HK$30.90M · min. income ≈ HK$299,512/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,188,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,771
−HK$8,470/mo
▼ 0.25% · 3.875%
HK$160,975
−HK$4,266/mo
Today · 4.125%
HK$165,241
baseline
▲ 0.50% · 4.625%
HK$173,951
+HK$8,710/mo
Deposit HK$20.60M · loan HK$30.90M · min. income ≈ HK$330,482/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,188,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,405
−HK$10,310/mo
▼ 0.25% · 3.875%
HK$169,519
−HK$5,196/mo
Today · 4.125%
HK$174,715
baseline
▲ 0.50% · 4.625%
HK$185,346
+HK$10,631/mo
Deposit HK$15.45M · loan HK$36.05M · min. income ≈ HK$349,430/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$2,188,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,899
−HK$9,882/mo
▼ 0.25% · 3.875%
HK$187,804
−HK$4,977/mo
Today · 4.125%
HK$192,781
baseline
▲ 0.50% · 4.625%
HK$202,942
+HK$10,161/mo
Deposit HK$15.45M · loan HK$36.05M · min. income ≈ HK$385,562/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$2,188,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,378
−HK$13,255/mo
▼ 0.25% · 3.875%
HK$217,953
−HK$6,680/mo
Today · 4.125%
HK$224,633
baseline
▲ 0.50% · 4.625%
HK$238,302
+HK$13,669/mo
Deposit HK$5.15M · loan HK$46.35M · min. income ≈ HK$449,266/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,188,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,156
−HK$12,705/mo
▼ 0.25% · 3.875%
HK$241,463
−HK$6,398/mo
Today · 4.125%
HK$247,861
baseline
▲ 0.50% · 4.625%
HK$260,926
+HK$13,065/mo
Deposit HK$5.15M · loan HK$46.35M · min. income ≈ HK$495,722/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,188,733 · Scale 2, in force from 26 Feb 2026)