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$116,627
−HK$7,313/mo
▼ 0.25% · 3.875%
HK$120,254
−HK$3,686/mo
Today · 4.125%
HK$123,940
baseline
▲ 0.50% · 4.625%
HK$131,482
+HK$7,542/mo
Deposit HK$25.57M · loan HK$25.57M · min. income ≈ HK$247,880/mo (50% DSR)
Upfront cash ≈ HK$27.75M (deposit + AVD stamp duty HK$2,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,746
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$133,226
−HK$3,530/mo
Today · 4.125%
HK$136,756
baseline
▲ 0.50% · 4.625%
HK$143,964
+HK$7,208/mo
Deposit HK$25.57M · loan HK$25.57M · min. income ≈ HK$273,512/mo (50% DSR)
Upfront cash ≈ HK$27.75M (deposit + AVD stamp duty HK$2,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,952
−HK$8,776/mo
▼ 0.25% · 3.875%
HK$144,305
−HK$4,423/mo
Today · 4.125%
HK$148,728
baseline
▲ 0.50% · 4.625%
HK$157,778
+HK$9,050/mo
Deposit HK$20.46M · loan HK$30.69M · min. income ≈ HK$297,456/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$2,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,695
−HK$8,412/mo
▼ 0.25% · 3.875%
HK$159,871
−HK$4,236/mo
Today · 4.125%
HK$164,107
baseline
▲ 0.50% · 4.625%
HK$172,757
+HK$8,650/mo
Deposit HK$20.46M · loan HK$30.69M · min. income ≈ HK$328,214/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$2,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,277
−HK$10,239/mo
▼ 0.25% · 3.875%
HK$168,356
−HK$5,160/mo
Today · 4.125%
HK$173,516
baseline
▲ 0.50% · 4.625%
HK$184,074
+HK$10,558/mo
Deposit HK$15.34M · loan HK$35.80M · min. income ≈ HK$347,032/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$2,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,644
−HK$9,814/mo
▼ 0.25% · 3.875%
HK$186,516
−HK$4,942/mo
Today · 4.125%
HK$191,458
baseline
▲ 0.50% · 4.625%
HK$201,550
+HK$10,092/mo
Deposit HK$15.34M · loan HK$35.80M · min. income ≈ HK$382,916/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$2,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,928
−HK$13,164/mo
▼ 0.25% · 3.875%
HK$216,458
−HK$6,634/mo
Today · 4.125%
HK$223,092
baseline
▲ 0.50% · 4.625%
HK$236,667
+HK$13,575/mo
Deposit HK$5.11M · loan HK$46.03M · min. income ≈ HK$446,184/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,543
−HK$12,617/mo
▼ 0.25% · 3.875%
HK$239,806
−HK$6,354/mo
Today · 4.125%
HK$246,160
baseline
▲ 0.50% · 4.625%
HK$259,136
+HK$12,976/mo
Deposit HK$5.11M · loan HK$46.03M · min. income ≈ HK$492,320/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,173,718 · Scale 2, in force from 26 Feb 2026)