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$117,056
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$120,697
−HK$3,699/mo
Today · 4.125%
HK$124,396
baseline
▲ 0.50% · 4.625%
HK$131,965
+HK$7,569/mo
Deposit HK$25.67M · loan HK$25.67M · min. income ≈ HK$248,792/mo (50% DSR)
Upfront cash ≈ HK$27.85M (deposit + AVD stamp duty HK$2,181,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,223
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$133,716
−HK$3,543/mo
Today · 4.125%
HK$137,259
baseline
▲ 0.50% · 4.625%
HK$144,494
+HK$7,235/mo
Deposit HK$25.67M · loan HK$25.67M · min. income ≈ HK$274,518/mo (50% DSR)
Upfront cash ≈ HK$27.85M (deposit + AVD stamp duty HK$2,181,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,467
−HK$8,808/mo
▼ 0.25% · 3.875%
HK$144,836
−HK$4,439/mo
Today · 4.125%
HK$149,275
baseline
▲ 0.50% · 4.625%
HK$158,358
+HK$9,083/mo
Deposit HK$20.53M · loan HK$30.80M · min. income ≈ HK$298,550/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$2,181,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,268
−HK$8,442/mo
▼ 0.25% · 3.875%
HK$160,459
−HK$4,251/mo
Today · 4.125%
HK$164,710
baseline
▲ 0.50% · 4.625%
HK$173,393
+HK$8,683/mo
Deposit HK$20.53M · loan HK$30.80M · min. income ≈ HK$329,420/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$2,181,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,878
−HK$10,276/mo
▼ 0.25% · 3.875%
HK$168,975
−HK$5,179/mo
Today · 4.125%
HK$174,154
baseline
▲ 0.50% · 4.625%
HK$184,751
+HK$10,597/mo
Deposit HK$15.40M · loan HK$35.93M · min. income ≈ HK$348,308/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$2,181,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,312
−HK$9,850/mo
▼ 0.25% · 3.875%
HK$187,202
−HK$4,960/mo
Today · 4.125%
HK$192,162
baseline
▲ 0.50% · 4.625%
HK$202,291
+HK$10,129/mo
Deposit HK$15.40M · loan HK$35.93M · min. income ≈ HK$384,324/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$2,181,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,700
−HK$13,213/mo
▼ 0.25% · 3.875%
HK$217,254
−HK$6,659/mo
Today · 4.125%
HK$223,913
baseline
▲ 0.50% · 4.625%
HK$237,537
+HK$13,624/mo
Deposit HK$5.13M · loan HK$46.20M · min. income ≈ HK$447,826/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,181,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,402
−HK$12,664/mo
▼ 0.25% · 3.875%
HK$240,688
−HK$6,378/mo
Today · 4.125%
HK$247,066
baseline
▲ 0.50% · 4.625%
HK$260,089
+HK$13,023/mo
Deposit HK$5.13M · loan HK$46.20M · min. income ≈ HK$494,132/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,181,713 · Scale 2, in force from 26 Feb 2026)