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$117,208
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,854
−HK$3,704/mo
Today · 4.125%
HK$124,558
baseline
▲ 0.50% · 4.625%
HK$132,137
+HK$7,579/mo
Deposit HK$25.70M · loan HK$25.70M · min. income ≈ HK$249,116/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$2,184,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,392
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$133,890
−HK$3,547/mo
Today · 4.125%
HK$137,437
baseline
▲ 0.50% · 4.625%
HK$144,682
+HK$7,245/mo
Deposit HK$25.70M · loan HK$25.70M · min. income ≈ HK$274,874/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$2,184,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,649
−HK$8,820/mo
▼ 0.25% · 3.875%
HK$145,024
−HK$4,445/mo
Today · 4.125%
HK$149,469
baseline
▲ 0.50% · 4.625%
HK$158,564
+HK$9,095/mo
Deposit HK$20.56M · loan HK$30.84M · min. income ≈ HK$298,938/mo (50% DSR)
Upfront cash ≈ HK$22.75M (deposit + AVD stamp duty HK$2,184,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,471
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$160,667
−HK$4,258/mo
Today · 4.125%
HK$164,925
baseline
▲ 0.50% · 4.625%
HK$173,618
+HK$8,693/mo
Deposit HK$20.56M · loan HK$30.84M · min. income ≈ HK$329,850/mo (50% DSR)
Upfront cash ≈ HK$22.75M (deposit + AVD stamp duty HK$2,184,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,091
−HK$10,290/mo
▼ 0.25% · 3.875%
HK$169,195
−HK$5,186/mo
Today · 4.125%
HK$174,381
baseline
▲ 0.50% · 4.625%
HK$184,991
+HK$10,610/mo
Deposit HK$15.42M · loan HK$35.98M · min. income ≈ HK$348,762/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$2,184,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,549
−HK$9,863/mo
▼ 0.25% · 3.875%
HK$187,445
−HK$4,967/mo
Today · 4.125%
HK$192,412
baseline
▲ 0.50% · 4.625%
HK$202,554
+HK$10,142/mo
Deposit HK$15.42M · loan HK$35.98M · min. income ≈ HK$384,824/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$2,184,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,974
−HK$13,230/mo
▼ 0.25% · 3.875%
HK$217,536
−HK$6,668/mo
Today · 4.125%
HK$224,204
baseline
▲ 0.50% · 4.625%
HK$237,846
+HK$13,642/mo
Deposit HK$5.14M · loan HK$46.26M · min. income ≈ HK$448,408/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,184,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,706
−HK$12,681/mo
▼ 0.25% · 3.875%
HK$241,001
−HK$6,386/mo
Today · 4.125%
HK$247,387
baseline
▲ 0.50% · 4.625%
HK$260,427
+HK$13,040/mo
Deposit HK$5.14M · loan HK$46.26M · min. income ≈ HK$494,774/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,184,549 · Scale 2, in force from 26 Feb 2026)