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$116,968
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$120,606
−HK$3,697/mo
Today · 4.125%
HK$124,303
baseline
▲ 0.50% · 4.625%
HK$131,866
+HK$7,563/mo
Deposit HK$25.65M · loan HK$25.65M · min. income ≈ HK$248,606/mo (50% DSR)
Upfront cash ≈ HK$27.83M (deposit + AVD stamp duty HK$2,180,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,126
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$133,615
−HK$3,541/mo
Today · 4.125%
HK$137,156
baseline
▲ 0.50% · 4.625%
HK$144,386
+HK$7,230/mo
Deposit HK$25.65M · loan HK$25.65M · min. income ≈ HK$274,312/mo (50% DSR)
Upfront cash ≈ HK$27.83M (deposit + AVD stamp duty HK$2,180,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,361
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,728
−HK$4,435/mo
Today · 4.125%
HK$149,163
baseline
▲ 0.50% · 4.625%
HK$158,240
+HK$9,077/mo
Deposit HK$20.52M · loan HK$30.78M · min. income ≈ HK$298,326/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$2,180,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,151
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$160,339
−HK$4,248/mo
Today · 4.125%
HK$164,587
baseline
▲ 0.50% · 4.625%
HK$173,263
+HK$8,676/mo
Deposit HK$20.52M · loan HK$30.78M · min. income ≈ HK$329,174/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$2,180,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,755
−HK$10,269/mo
▼ 0.25% · 3.875%
HK$168,849
−HK$5,175/mo
Today · 4.125%
HK$174,024
baseline
▲ 0.50% · 4.625%
HK$184,613
+HK$10,589/mo
Deposit HK$15.39M · loan HK$35.91M · min. income ≈ HK$348,048/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$2,180,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,176
−HK$9,842/mo
▼ 0.25% · 3.875%
HK$187,062
−HK$4,956/mo
Today · 4.125%
HK$192,018
baseline
▲ 0.50% · 4.625%
HK$202,140
+HK$10,122/mo
Deposit HK$15.39M · loan HK$35.91M · min. income ≈ HK$384,036/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$2,180,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,542
−HK$13,203/mo
▼ 0.25% · 3.875%
HK$217,091
−HK$6,654/mo
Today · 4.125%
HK$223,745
baseline
▲ 0.50% · 4.625%
HK$237,359
+HK$13,614/mo
Deposit HK$5.13M · loan HK$46.17M · min. income ≈ HK$447,490/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,180,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,226
−HK$12,655/mo
▼ 0.25% · 3.875%
HK$240,508
−HK$6,373/mo
Today · 4.125%
HK$246,881
baseline
▲ 0.50% · 4.625%
HK$259,894
+HK$13,013/mo
Deposit HK$5.13M · loan HK$46.17M · min. income ≈ HK$493,762/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,180,078 · Scale 2, in force from 26 Feb 2026)