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$116,226
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$119,841
−HK$3,673/mo
Today · 4.125%
HK$123,514
baseline
▲ 0.50% · 4.625%
HK$131,030
+HK$7,516/mo
Deposit HK$25.49M · loan HK$25.49M · min. income ≈ HK$247,028/mo (50% DSR)
Upfront cash ≈ HK$27.65M (deposit + AVD stamp duty HK$2,166,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,300
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$132,768
−HK$3,518/mo
Today · 4.125%
HK$136,286
baseline
▲ 0.50% · 4.625%
HK$143,469
+HK$7,183/mo
Deposit HK$25.49M · loan HK$25.49M · min. income ≈ HK$272,572/mo (50% DSR)
Upfront cash ≈ HK$27.65M (deposit + AVD stamp duty HK$2,166,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,471
−HK$8,746/mo
▼ 0.25% · 3.875%
HK$143,809
−HK$4,408/mo
Today · 4.125%
HK$148,217
baseline
▲ 0.50% · 4.625%
HK$157,236
+HK$9,019/mo
Deposit HK$20.39M · loan HK$30.58M · min. income ≈ HK$296,434/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,166,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,160
−HK$8,383/mo
▼ 0.25% · 3.875%
HK$159,321
−HK$4,222/mo
Today · 4.125%
HK$163,543
baseline
▲ 0.50% · 4.625%
HK$172,163
+HK$8,620/mo
Deposit HK$20.39M · loan HK$30.58M · min. income ≈ HK$327,086/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,166,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,716
−HK$10,204/mo
▼ 0.25% · 3.875%
HK$167,777
−HK$5,143/mo
Today · 4.125%
HK$172,920
baseline
▲ 0.50% · 4.625%
HK$183,442
+HK$10,522/mo
Deposit HK$15.29M · loan HK$35.68M · min. income ≈ HK$345,840/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$2,166,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,020
−HK$9,780/mo
▼ 0.25% · 3.875%
HK$185,875
−HK$4,925/mo
Today · 4.125%
HK$190,800
baseline
▲ 0.50% · 4.625%
HK$200,857
+HK$10,057/mo
Deposit HK$15.29M · loan HK$35.68M · min. income ≈ HK$381,600/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$2,166,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,206
−HK$13,119/mo
▼ 0.25% · 3.875%
HK$215,714
−HK$6,611/mo
Today · 4.125%
HK$222,325
baseline
▲ 0.50% · 4.625%
HK$235,853
+HK$13,528/mo
Deposit HK$5.10M · loan HK$45.87M · min. income ≈ HK$444,650/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,166,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,740
−HK$12,574/mo
▼ 0.25% · 3.875%
HK$238,982
−HK$6,332/mo
Today · 4.125%
HK$245,314
baseline
▲ 0.50% · 4.625%
HK$258,245
+HK$12,931/mo
Deposit HK$5.10M · loan HK$45.87M · min. income ≈ HK$490,628/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,166,245 · Scale 2, in force from 26 Feb 2026)