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$115,969
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$119,576
−HK$3,665/mo
Today · 4.125%
HK$123,241
baseline
▲ 0.50% · 4.625%
HK$130,740
+HK$7,499/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$246,482/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,014
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$132,474
−HK$3,510/mo
Today · 4.125%
HK$135,984
baseline
▲ 0.50% · 4.625%
HK$143,152
+HK$7,168/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$271,968/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,162
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$143,491
−HK$4,398/mo
Today · 4.125%
HK$147,889
baseline
▲ 0.50% · 4.625%
HK$156,888
+HK$8,999/mo
Deposit HK$20.34M · loan HK$30.51M · min. income ≈ HK$295,778/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,161,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,817
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$158,969
−HK$4,212/mo
Today · 4.125%
HK$163,181
baseline
▲ 0.50% · 4.625%
HK$171,782
+HK$8,601/mo
Deposit HK$20.34M · loan HK$30.51M · min. income ≈ HK$326,362/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,161,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,356
−HK$10,181/mo
▼ 0.25% · 3.875%
HK$167,406
−HK$5,131/mo
Today · 4.125%
HK$172,537
baseline
▲ 0.50% · 4.625%
HK$183,036
+HK$10,499/mo
Deposit HK$15.26M · loan HK$35.60M · min. income ≈ HK$345,074/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,620
−HK$9,758/mo
▼ 0.25% · 3.875%
HK$185,464
−HK$4,914/mo
Today · 4.125%
HK$190,378
baseline
▲ 0.50% · 4.625%
HK$200,413
+HK$10,035/mo
Deposit HK$15.26M · loan HK$35.60M · min. income ≈ HK$380,756/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,744
−HK$13,090/mo
▼ 0.25% · 3.875%
HK$215,237
−HK$6,597/mo
Today · 4.125%
HK$221,834
baseline
▲ 0.50% · 4.625%
HK$235,332
+HK$13,498/mo
Deposit HK$5.09M · loan HK$45.77M · min. income ≈ HK$443,668/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,225
−HK$12,547/mo
▼ 0.25% · 3.875%
HK$238,453
−HK$6,319/mo
Today · 4.125%
HK$244,772
baseline
▲ 0.50% · 4.625%
HK$257,674
+HK$12,902/mo
Deposit HK$5.09M · loan HK$45.77M · min. income ≈ HK$489,544/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,453 · Scale 2, in force from 26 Feb 2026)