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$115,820
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$119,423
−HK$3,660/mo
Today · 4.125%
HK$123,083
baseline
▲ 0.50% · 4.625%
HK$130,573
+HK$7,490/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$246,166/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,158,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,849
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$132,305
−HK$3,505/mo
Today · 4.125%
HK$135,810
baseline
▲ 0.50% · 4.625%
HK$142,969
+HK$7,159/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$271,620/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,158,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,984
−HK$8,716/mo
▼ 0.25% · 3.875%
HK$143,308
−HK$4,392/mo
Today · 4.125%
HK$147,700
baseline
▲ 0.50% · 4.625%
HK$156,687
+HK$8,987/mo
Deposit HK$20.32M · loan HK$30.48M · min. income ≈ HK$295,400/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,158,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,619
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$158,766
−HK$4,206/mo
Today · 4.125%
HK$162,972
baseline
▲ 0.50% · 4.625%
HK$171,563
+HK$8,591/mo
Deposit HK$20.32M · loan HK$30.48M · min. income ≈ HK$325,944/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,158,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,148
−HK$10,169/mo
▼ 0.25% · 3.875%
HK$167,192
−HK$5,125/mo
Today · 4.125%
HK$172,317
baseline
▲ 0.50% · 4.625%
HK$182,802
+HK$10,485/mo
Deposit HK$15.24M · loan HK$35.55M · min. income ≈ HK$344,634/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,158,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,389
−HK$9,745/mo
▼ 0.25% · 3.875%
HK$185,226
−HK$4,908/mo
Today · 4.125%
HK$190,134
baseline
▲ 0.50% · 4.625%
HK$200,157
+HK$10,023/mo
Deposit HK$15.24M · loan HK$35.55M · min. income ≈ HK$380,268/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,158,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,477
−HK$13,073/mo
▼ 0.25% · 3.875%
HK$214,961
−HK$6,589/mo
Today · 4.125%
HK$221,550
baseline
▲ 0.50% · 4.625%
HK$235,031
+HK$13,481/mo
Deposit HK$5.08M · loan HK$45.71M · min. income ≈ HK$443,100/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,158,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,928
−HK$12,530/mo
▼ 0.25% · 3.875%
HK$238,148
−HK$6,310/mo
Today · 4.125%
HK$244,458
baseline
▲ 0.50% · 4.625%
HK$257,344
+HK$12,886/mo
Deposit HK$5.08M · loan HK$45.71M · min. income ≈ HK$488,916/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,158,689 · Scale 2, in force from 26 Feb 2026)