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$117,298
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$120,946
−HK$3,707/mo
Today · 4.125%
HK$124,653
baseline
▲ 0.50% · 4.625%
HK$132,238
+HK$7,585/mo
Deposit HK$25.72M · loan HK$25.72M · min. income ≈ HK$249,306/mo (50% DSR)
Upfront cash ≈ HK$27.91M (deposit + AVD stamp duty HK$2,186,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,493
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$133,992
−HK$3,551/mo
Today · 4.125%
HK$137,543
baseline
▲ 0.50% · 4.625%
HK$144,793
+HK$7,250/mo
Deposit HK$25.72M · loan HK$25.72M · min. income ≈ HK$275,086/mo (50% DSR)
Upfront cash ≈ HK$27.91M (deposit + AVD stamp duty HK$2,186,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,757
−HK$8,827/mo
▼ 0.25% · 3.875%
HK$145,136
−HK$4,448/mo
Today · 4.125%
HK$149,584
baseline
▲ 0.50% · 4.625%
HK$158,686
+HK$9,102/mo
Deposit HK$20.58M · loan HK$30.86M · min. income ≈ HK$299,168/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$2,186,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,591
−HK$8,460/mo
▼ 0.25% · 3.875%
HK$160,791
−HK$4,260/mo
Today · 4.125%
HK$165,051
baseline
▲ 0.50% · 4.625%
HK$173,751
+HK$8,700/mo
Deposit HK$20.58M · loan HK$30.86M · min. income ≈ HK$330,102/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$2,186,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,217
−HK$10,298/mo
▼ 0.25% · 3.875%
HK$169,325
−HK$5,190/mo
Today · 4.125%
HK$174,515
baseline
▲ 0.50% · 4.625%
HK$185,134
+HK$10,619/mo
Deposit HK$15.43M · loan HK$36.01M · min. income ≈ HK$349,030/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$2,186,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,690
−HK$9,870/mo
▼ 0.25% · 3.875%
HK$187,589
−HK$4,971/mo
Today · 4.125%
HK$192,560
baseline
▲ 0.50% · 4.625%
HK$202,710
+HK$10,150/mo
Deposit HK$15.43M · loan HK$36.01M · min. income ≈ HK$385,120/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$2,186,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,136
−HK$13,240/mo
▼ 0.25% · 3.875%
HK$217,704
−HK$6,672/mo
Today · 4.125%
HK$224,376
baseline
▲ 0.50% · 4.625%
HK$238,029
+HK$13,653/mo
Deposit HK$5.14M · loan HK$46.30M · min. income ≈ HK$448,752/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,186,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,887
−HK$12,690/mo
▼ 0.25% · 3.875%
HK$241,186
−HK$6,391/mo
Today · 4.125%
HK$247,577
baseline
▲ 0.50% · 4.625%
HK$260,627
+HK$13,050/mo
Deposit HK$5.14M · loan HK$46.30M · min. income ≈ HK$495,154/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,186,226 · Scale 2, in force from 26 Feb 2026)