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$116,439
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$120,061
−HK$3,680/mo
Today · 4.125%
HK$123,741
baseline
▲ 0.50% · 4.625%
HK$131,270
+HK$7,529/mo
Deposit HK$25.53M · loan HK$25.53M · min. income ≈ HK$247,482/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,170,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,537
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$133,011
−HK$3,525/mo
Today · 4.125%
HK$136,536
baseline
▲ 0.50% · 4.625%
HK$143,732
+HK$7,196/mo
Deposit HK$25.53M · loan HK$25.53M · min. income ≈ HK$273,072/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,170,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,727
−HK$8,762/mo
▼ 0.25% · 3.875%
HK$144,073
−HK$4,416/mo
Today · 4.125%
HK$148,489
baseline
▲ 0.50% · 4.625%
HK$157,524
+HK$9,035/mo
Deposit HK$20.43M · loan HK$30.64M · min. income ≈ HK$296,978/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$2,170,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,444
−HK$8,399/mo
▼ 0.25% · 3.875%
HK$159,613
−HK$4,230/mo
Today · 4.125%
HK$163,843
baseline
▲ 0.50% · 4.625%
HK$172,479
+HK$8,636/mo
Deposit HK$20.43M · loan HK$30.64M · min. income ≈ HK$327,686/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$2,170,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,014
−HK$10,223/mo
▼ 0.25% · 3.875%
HK$168,085
−HK$5,152/mo
Today · 4.125%
HK$173,237
baseline
▲ 0.50% · 4.625%
HK$183,778
+HK$10,541/mo
Deposit HK$15.32M · loan HK$35.74M · min. income ≈ HK$346,474/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$2,170,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,352
−HK$9,798/mo
▼ 0.25% · 3.875%
HK$186,216
−HK$4,934/mo
Today · 4.125%
HK$191,150
baseline
▲ 0.50% · 4.625%
HK$201,225
+HK$10,075/mo
Deposit HK$15.32M · loan HK$35.74M · min. income ≈ HK$382,300/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$2,170,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,590
−HK$13,143/mo
▼ 0.25% · 3.875%
HK$216,109
−HK$6,624/mo
Today · 4.125%
HK$222,733
baseline
▲ 0.50% · 4.625%
HK$236,286
+HK$13,553/mo
Deposit HK$5.11M · loan HK$45.96M · min. income ≈ HK$445,466/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,170,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,167
−HK$12,597/mo
▼ 0.25% · 3.875%
HK$239,420
−HK$6,344/mo
Today · 4.125%
HK$245,764
baseline
▲ 0.50% · 4.625%
HK$258,718
+HK$12,954/mo
Deposit HK$5.11M · loan HK$45.96M · min. income ≈ HK$491,528/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,170,217 · Scale 2, in force from 26 Feb 2026)