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$117,371
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,022
−HK$3,709/mo
Today · 4.125%
HK$124,731
baseline
▲ 0.50% · 4.625%
HK$132,321
+HK$7,590/mo
Deposit HK$25.74M · loan HK$25.74M · min. income ≈ HK$249,462/mo (50% DSR)
Upfront cash ≈ HK$27.92M (deposit + AVD stamp duty HK$2,187,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,574
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$134,076
−HK$3,552/mo
Today · 4.125%
HK$137,628
baseline
▲ 0.50% · 4.625%
HK$144,883
+HK$7,255/mo
Deposit HK$25.74M · loan HK$25.74M · min. income ≈ HK$275,256/mo (50% DSR)
Upfront cash ≈ HK$27.92M (deposit + AVD stamp duty HK$2,187,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,845
−HK$8,832/mo
▼ 0.25% · 3.875%
HK$145,226
−HK$4,451/mo
Today · 4.125%
HK$149,677
baseline
▲ 0.50% · 4.625%
HK$158,785
+HK$9,108/mo
Deposit HK$20.59M · loan HK$30.88M · min. income ≈ HK$299,354/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$2,187,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,689
−HK$8,465/mo
▼ 0.25% · 3.875%
HK$160,891
−HK$4,263/mo
Today · 4.125%
HK$165,154
baseline
▲ 0.50% · 4.625%
HK$173,860
+HK$8,706/mo
Deposit HK$20.59M · loan HK$30.88M · min. income ≈ HK$330,308/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$2,187,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,319
−HK$10,304/mo
▼ 0.25% · 3.875%
HK$169,430
−HK$5,193/mo
Today · 4.125%
HK$174,623
baseline
▲ 0.50% · 4.625%
HK$185,249
+HK$10,626/mo
Deposit HK$15.44M · loan HK$36.03M · min. income ≈ HK$349,246/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$2,187,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,803
−HK$9,877/mo
▼ 0.25% · 3.875%
HK$187,706
−HK$4,974/mo
Today · 4.125%
HK$192,680
baseline
▲ 0.50% · 4.625%
HK$202,836
+HK$10,156/mo
Deposit HK$15.44M · loan HK$36.03M · min. income ≈ HK$385,360/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$2,187,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,268
−HK$13,248/mo
▼ 0.25% · 3.875%
HK$217,839
−HK$6,677/mo
Today · 4.125%
HK$224,516
baseline
▲ 0.50% · 4.625%
HK$238,177
+HK$13,661/mo
Deposit HK$5.15M · loan HK$46.33M · min. income ≈ HK$449,032/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,187,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,033
−HK$12,698/mo
▼ 0.25% · 3.875%
HK$241,337
−HK$6,394/mo
Today · 4.125%
HK$247,731
baseline
▲ 0.50% · 4.625%
HK$260,789
+HK$13,058/mo
Deposit HK$5.15M · loan HK$46.33M · min. income ≈ HK$495,462/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,187,589 · Scale 2, in force from 26 Feb 2026)