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$116,280
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$119,897
−HK$3,675/mo
Today · 4.125%
HK$123,572
baseline
▲ 0.50% · 4.625%
HK$131,091
+HK$7,519/mo
Deposit HK$25.50M · loan HK$25.50M · min. income ≈ HK$247,144/mo (50% DSR)
Upfront cash ≈ HK$27.66M (deposit + AVD stamp duty HK$2,167,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,360
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$132,830
−HK$3,519/mo
Today · 4.125%
HK$136,349
baseline
▲ 0.50% · 4.625%
HK$143,536
+HK$7,187/mo
Deposit HK$25.50M · loan HK$25.50M · min. income ≈ HK$272,698/mo (50% DSR)
Upfront cash ≈ HK$27.66M (deposit + AVD stamp duty HK$2,167,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,536
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$143,876
−HK$4,410/mo
Today · 4.125%
HK$148,286
baseline
▲ 0.50% · 4.625%
HK$157,309
+HK$9,023/mo
Deposit HK$20.40M · loan HK$30.60M · min. income ≈ HK$296,572/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$2,167,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,232
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$159,396
−HK$4,223/mo
Today · 4.125%
HK$163,619
baseline
▲ 0.50% · 4.625%
HK$172,244
+HK$8,625/mo
Deposit HK$20.40M · loan HK$30.60M · min. income ≈ HK$327,238/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$2,167,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,792
−HK$10,208/mo
▼ 0.25% · 3.875%
HK$167,856
−HK$5,144/mo
Today · 4.125%
HK$173,000
baseline
▲ 0.50% · 4.625%
HK$183,527
+HK$10,527/mo
Deposit HK$15.30M · loan HK$35.70M · min. income ≈ HK$346,000/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,167,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,104
−HK$9,785/mo
▼ 0.25% · 3.875%
HK$185,962
−HK$4,927/mo
Today · 4.125%
HK$190,889
baseline
▲ 0.50% · 4.625%
HK$200,951
+HK$10,062/mo
Deposit HK$15.30M · loan HK$35.70M · min. income ≈ HK$381,778/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,167,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,304
−HK$13,125/mo
▼ 0.25% · 3.875%
HK$215,814
−HK$6,615/mo
Today · 4.125%
HK$222,429
baseline
▲ 0.50% · 4.625%
HK$235,963
+HK$13,534/mo
Deposit HK$5.10M · loan HK$45.89M · min. income ≈ HK$444,858/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,167,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,848
−HK$12,581/mo
▼ 0.25% · 3.875%
HK$239,093
−HK$6,336/mo
Today · 4.125%
HK$245,429
baseline
▲ 0.50% · 4.625%
HK$258,365
+HK$12,936/mo
Deposit HK$5.10M · loan HK$45.89M · min. income ≈ HK$490,858/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,167,256 · Scale 2, in force from 26 Feb 2026)