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$116,409
−HK$7,300/mo
▼ 0.25% · 3.875%
HK$120,030
−HK$3,679/mo
Today · 4.125%
HK$123,709
baseline
▲ 0.50% · 4.625%
HK$131,236
+HK$7,527/mo
Deposit HK$25.53M · loan HK$25.53M · min. income ≈ HK$247,418/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,169,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,504
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$132,977
−HK$3,524/mo
Today · 4.125%
HK$136,501
baseline
▲ 0.50% · 4.625%
HK$143,696
+HK$7,195/mo
Deposit HK$25.53M · loan HK$25.53M · min. income ≈ HK$273,002/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,169,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,691
−HK$8,760/mo
▼ 0.25% · 3.875%
HK$144,036
−HK$4,415/mo
Today · 4.125%
HK$148,451
baseline
▲ 0.50% · 4.625%
HK$157,484
+HK$9,033/mo
Deposit HK$20.42M · loan HK$30.63M · min. income ≈ HK$296,902/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$2,169,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,405
−HK$8,396/mo
▼ 0.25% · 3.875%
HK$159,573
−HK$4,228/mo
Today · 4.125%
HK$163,801
baseline
▲ 0.50% · 4.625%
HK$172,435
+HK$8,634/mo
Deposit HK$20.42M · loan HK$30.63M · min. income ≈ HK$327,602/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$2,169,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,973
−HK$10,220/mo
▼ 0.25% · 3.875%
HK$168,042
−HK$5,151/mo
Today · 4.125%
HK$173,193
baseline
▲ 0.50% · 4.625%
HK$183,731
+HK$10,538/mo
Deposit HK$15.32M · loan HK$35.74M · min. income ≈ HK$346,386/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$2,169,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,306
−HK$9,795/mo
▼ 0.25% · 3.875%
HK$186,168
−HK$4,933/mo
Today · 4.125%
HK$191,101
baseline
▲ 0.50% · 4.625%
HK$201,174
+HK$10,073/mo
Deposit HK$15.32M · loan HK$35.74M · min. income ≈ HK$382,202/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$2,169,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,536
−HK$13,140/mo
▼ 0.25% · 3.875%
HK$216,054
−HK$6,622/mo
Today · 4.125%
HK$222,676
baseline
▲ 0.50% · 4.625%
HK$236,226
+HK$13,550/mo
Deposit HK$5.11M · loan HK$45.95M · min. income ≈ HK$445,352/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,169,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,107
−HK$12,594/mo
▼ 0.25% · 3.875%
HK$239,359
−HK$6,342/mo
Today · 4.125%
HK$245,701
baseline
▲ 0.50% · 4.625%
HK$258,652
+HK$12,951/mo
Deposit HK$5.11M · loan HK$45.95M · min. income ≈ HK$491,402/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,169,663 · Scale 2, in force from 26 Feb 2026)