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$115,986
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,594
−HK$3,666/mo
Today · 4.125%
HK$123,260
baseline
▲ 0.50% · 4.625%
HK$130,760
+HK$7,500/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$246,520/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,034
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,494
−HK$3,511/mo
Today · 4.125%
HK$136,005
baseline
▲ 0.50% · 4.625%
HK$143,174
+HK$7,169/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$272,010/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,184
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$143,513
−HK$4,399/mo
Today · 4.125%
HK$147,912
baseline
▲ 0.50% · 4.625%
HK$156,912
+HK$9,000/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$295,824/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,161,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,840
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$158,993
−HK$4,213/mo
Today · 4.125%
HK$163,206
baseline
▲ 0.50% · 4.625%
HK$171,809
+HK$8,603/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$326,412/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,161,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,381
−HK$10,182/mo
▼ 0.25% · 3.875%
HK$167,432
−HK$5,131/mo
Today · 4.125%
HK$172,563
baseline
▲ 0.50% · 4.625%
HK$183,064
+HK$10,501/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$345,126/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,647
−HK$9,760/mo
▼ 0.25% · 3.875%
HK$185,492
−HK$4,915/mo
Today · 4.125%
HK$190,407
baseline
▲ 0.50% · 4.625%
HK$200,443
+HK$10,036/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$380,814/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,775
−HK$13,092/mo
▼ 0.25% · 3.875%
HK$215,269
−HK$6,598/mo
Today · 4.125%
HK$221,867
baseline
▲ 0.50% · 4.625%
HK$235,367
+HK$13,500/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$443,734/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,260
−HK$12,549/mo
▼ 0.25% · 3.875%
HK$238,490
−HK$6,319/mo
Today · 4.125%
HK$244,809
baseline
▲ 0.50% · 4.625%
HK$257,713
+HK$12,904/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$489,618/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,782 · Scale 2, in force from 26 Feb 2026)