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$115,478
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$119,070
−HK$3,650/mo
Today · 4.125%
HK$122,720
baseline
▲ 0.50% · 4.625%
HK$130,187
+HK$7,467/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$245,440/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,152,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,469
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,914
−HK$3,495/mo
Today · 4.125%
HK$135,409
baseline
▲ 0.50% · 4.625%
HK$142,547
+HK$7,138/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$270,818/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,152,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,574
−HK$8,690/mo
▼ 0.25% · 3.875%
HK$142,884
−HK$4,380/mo
Today · 4.125%
HK$147,264
baseline
▲ 0.50% · 4.625%
HK$156,225
+HK$8,961/mo
Deposit HK$20.26M · loan HK$30.39M · min. income ≈ HK$294,528/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$2,152,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,162
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$158,297
−HK$4,194/mo
Today · 4.125%
HK$162,491
baseline
▲ 0.50% · 4.625%
HK$171,056
+HK$8,565/mo
Deposit HK$20.26M · loan HK$30.39M · min. income ≈ HK$324,982/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$2,152,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,670
−HK$10,138/mo
▼ 0.25% · 3.875%
HK$166,699
−HK$5,109/mo
Today · 4.125%
HK$171,808
baseline
▲ 0.50% · 4.625%
HK$182,262
+HK$10,454/mo
Deposit HK$15.19M · loan HK$35.45M · min. income ≈ HK$343,616/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$2,152,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,856
−HK$9,717/mo
▼ 0.25% · 3.875%
HK$184,680
−HK$4,893/mo
Today · 4.125%
HK$189,573
baseline
▲ 0.50% · 4.625%
HK$199,566
+HK$9,993/mo
Deposit HK$15.19M · loan HK$35.45M · min. income ≈ HK$379,146/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$2,152,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,861
−HK$13,035/mo
▼ 0.25% · 3.875%
HK$214,327
−HK$6,569/mo
Today · 4.125%
HK$220,896
baseline
▲ 0.50% · 4.625%
HK$234,337
+HK$13,441/mo
Deposit HK$5.06M · loan HK$45.58M · min. income ≈ HK$441,792/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,152,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,243
−HK$12,494/mo
▼ 0.25% · 3.875%
HK$237,445
−HK$6,292/mo
Today · 4.125%
HK$243,737
baseline
▲ 0.50% · 4.625%
HK$256,584
+HK$12,847/mo
Deposit HK$5.06M · loan HK$45.58M · min. income ≈ HK$487,474/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,152,316 · Scale 2, in force from 26 Feb 2026)