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$116,392
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$120,013
−HK$3,678/mo
Today · 4.125%
HK$123,691
baseline
▲ 0.50% · 4.625%
HK$131,217
+HK$7,526/mo
Deposit HK$25.52M · loan HK$25.52M · min. income ≈ HK$247,382/mo (50% DSR)
Upfront cash ≈ HK$27.69M (deposit + AVD stamp duty HK$2,169,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,485
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$132,958
−HK$3,523/mo
Today · 4.125%
HK$136,481
baseline
▲ 0.50% · 4.625%
HK$143,675
+HK$7,194/mo
Deposit HK$25.52M · loan HK$25.52M · min. income ≈ HK$272,962/mo (50% DSR)
Upfront cash ≈ HK$27.69M (deposit + AVD stamp duty HK$2,169,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,671
−HK$8,758/mo
▼ 0.25% · 3.875%
HK$144,015
−HK$4,414/mo
Today · 4.125%
HK$148,429
baseline
▲ 0.50% · 4.625%
HK$157,461
+HK$9,032/mo
Deposit HK$20.42M · loan HK$30.63M · min. income ≈ HK$296,858/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$2,169,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,382
−HK$8,395/mo
▼ 0.25% · 3.875%
HK$159,549
−HK$4,228/mo
Today · 4.125%
HK$163,777
baseline
▲ 0.50% · 4.625%
HK$172,410
+HK$8,633/mo
Deposit HK$20.42M · loan HK$30.63M · min. income ≈ HK$327,554/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$2,169,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,949
−HK$10,218/mo
▼ 0.25% · 3.875%
HK$168,018
−HK$5,149/mo
Today · 4.125%
HK$173,167
baseline
▲ 0.50% · 4.625%
HK$183,704
+HK$10,537/mo
Deposit HK$15.31M · loan HK$35.73M · min. income ≈ HK$346,334/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$2,169,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,279
−HK$9,794/mo
▼ 0.25% · 3.875%
HK$186,141
−HK$4,932/mo
Today · 4.125%
HK$191,073
baseline
▲ 0.50% · 4.625%
HK$201,145
+HK$10,072/mo
Deposit HK$15.31M · loan HK$35.73M · min. income ≈ HK$382,146/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$2,169,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,506
−HK$13,138/mo
▼ 0.25% · 3.875%
HK$216,023
−HK$6,621/mo
Today · 4.125%
HK$222,644
baseline
▲ 0.50% · 4.625%
HK$236,191
+HK$13,547/mo
Deposit HK$5.10M · loan HK$45.94M · min. income ≈ HK$445,288/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,169,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,073
−HK$12,592/mo
▼ 0.25% · 3.875%
HK$239,324
−HK$6,341/mo
Today · 4.125%
HK$245,665
baseline
▲ 0.50% · 4.625%
HK$258,615
+HK$12,950/mo
Deposit HK$5.10M · loan HK$45.94M · min. income ≈ HK$491,330/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,169,347 · Scale 2, in force from 26 Feb 2026)