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$115,804
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$119,406
−HK$3,660/mo
Today · 4.125%
HK$123,066
baseline
▲ 0.50% · 4.625%
HK$130,554
+HK$7,488/mo
Deposit HK$25.39M · loan HK$25.39M · min. income ≈ HK$246,132/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,158,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,831
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,286
−HK$3,505/mo
Today · 4.125%
HK$135,791
baseline
▲ 0.50% · 4.625%
HK$142,949
+HK$7,158/mo
Deposit HK$25.39M · loan HK$25.39M · min. income ≈ HK$271,582/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,158,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,965
−HK$8,714/mo
▼ 0.25% · 3.875%
HK$143,287
−HK$4,392/mo
Today · 4.125%
HK$147,679
baseline
▲ 0.50% · 4.625%
HK$156,665
+HK$8,986/mo
Deposit HK$20.31M · loan HK$30.47M · min. income ≈ HK$295,358/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,158,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,597
−HK$8,352/mo
▼ 0.25% · 3.875%
HK$158,743
−HK$4,206/mo
Today · 4.125%
HK$162,949
baseline
▲ 0.50% · 4.625%
HK$171,538
+HK$8,589/mo
Deposit HK$20.31M · loan HK$30.47M · min. income ≈ HK$325,898/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,158,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,125
−HK$10,167/mo
▼ 0.25% · 3.875%
HK$167,168
−HK$5,124/mo
Today · 4.125%
HK$172,292
baseline
▲ 0.50% · 4.625%
HK$182,775
+HK$10,483/mo
Deposit HK$15.24M · loan HK$35.55M · min. income ≈ HK$344,584/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,158,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,363
−HK$9,744/mo
▼ 0.25% · 3.875%
HK$185,200
−HK$4,907/mo
Today · 4.125%
HK$190,107
baseline
▲ 0.50% · 4.625%
HK$200,128
+HK$10,021/mo
Deposit HK$15.24M · loan HK$35.55M · min. income ≈ HK$380,214/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,158,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,447
−HK$13,071/mo
▼ 0.25% · 3.875%
HK$214,931
−HK$6,587/mo
Today · 4.125%
HK$221,518
baseline
▲ 0.50% · 4.625%
HK$234,997
+HK$13,479/mo
Deposit HK$5.08M · loan HK$45.71M · min. income ≈ HK$443,036/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,158,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,895
−HK$12,528/mo
▼ 0.25% · 3.875%
HK$238,114
−HK$6,309/mo
Today · 4.125%
HK$244,423
baseline
▲ 0.50% · 4.625%
HK$257,307
+HK$12,884/mo
Deposit HK$5.08M · loan HK$45.71M · min. income ≈ HK$488,846/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,158,380 · Scale 2, in force from 26 Feb 2026)