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$116,756
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$120,388
−HK$3,690/mo
Today · 4.125%
HK$124,078
baseline
▲ 0.50% · 4.625%
HK$131,628
+HK$7,550/mo
Deposit HK$25.60M · loan HK$25.60M · min. income ≈ HK$248,156/mo (50% DSR)
Upfront cash ≈ HK$27.78M (deposit + AVD stamp duty HK$2,176,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,890
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$133,374
−HK$3,534/mo
Today · 4.125%
HK$136,908
baseline
▲ 0.50% · 4.625%
HK$144,124
+HK$7,216/mo
Deposit HK$25.60M · loan HK$25.60M · min. income ≈ HK$273,816/mo (50% DSR)
Upfront cash ≈ HK$27.78M (deposit + AVD stamp duty HK$2,176,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,107
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$144,466
−HK$4,427/mo
Today · 4.125%
HK$148,893
baseline
▲ 0.50% · 4.625%
HK$157,953
+HK$9,060/mo
Deposit HK$20.48M · loan HK$30.72M · min. income ≈ HK$297,786/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$2,176,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,868
−HK$8,421/mo
▼ 0.25% · 3.875%
HK$160,048
−HK$4,241/mo
Today · 4.125%
HK$164,289
baseline
▲ 0.50% · 4.625%
HK$172,949
+HK$8,660/mo
Deposit HK$20.48M · loan HK$30.72M · min. income ≈ HK$328,578/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$2,176,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,459
−HK$10,250/mo
▼ 0.25% · 3.875%
HK$168,543
−HK$5,166/mo
Today · 4.125%
HK$173,709
baseline
▲ 0.50% · 4.625%
HK$184,279
+HK$10,570/mo
Deposit HK$15.36M · loan HK$35.84M · min. income ≈ HK$347,418/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$2,176,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,846
−HK$9,825/mo
▼ 0.25% · 3.875%
HK$186,723
−HK$4,948/mo
Today · 4.125%
HK$191,671
baseline
▲ 0.50% · 4.625%
HK$201,774
+HK$10,103/mo
Deposit HK$15.36M · loan HK$35.84M · min. income ≈ HK$383,342/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$2,176,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,161
−HK$13,179/mo
▼ 0.25% · 3.875%
HK$216,698
−HK$6,642/mo
Today · 4.125%
HK$223,340
baseline
▲ 0.50% · 4.625%
HK$236,930
+HK$13,590/mo
Deposit HK$5.12M · loan HK$46.08M · min. income ≈ HK$446,680/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,176,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,802
−HK$12,632/mo
▼ 0.25% · 3.875%
HK$240,073
−HK$6,361/mo
Today · 4.125%
HK$246,434
baseline
▲ 0.50% · 4.625%
HK$259,424
+HK$12,990/mo
Deposit HK$5.12M · loan HK$46.08M · min. income ≈ HK$492,868/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,176,132 · Scale 2, in force from 26 Feb 2026)