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$115,801
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,403
−HK$3,659/mo
Today · 4.125%
HK$123,062
baseline
▲ 0.50% · 4.625%
HK$130,550
+HK$7,488/mo
Deposit HK$25.39M · loan HK$25.39M · min. income ≈ HK$246,124/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,158,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,827
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,282
−HK$3,505/mo
Today · 4.125%
HK$135,787
baseline
▲ 0.50% · 4.625%
HK$142,945
+HK$7,158/mo
Deposit HK$25.39M · loan HK$25.39M · min. income ≈ HK$271,574/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,158,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,961
−HK$8,714/mo
▼ 0.25% · 3.875%
HK$143,283
−HK$4,392/mo
Today · 4.125%
HK$147,675
baseline
▲ 0.50% · 4.625%
HK$156,661
+HK$8,986/mo
Deposit HK$20.31M · loan HK$30.47M · min. income ≈ HK$295,350/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,158,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,593
−HK$8,352/mo
▼ 0.25% · 3.875%
HK$158,739
−HK$4,206/mo
Today · 4.125%
HK$162,945
baseline
▲ 0.50% · 4.625%
HK$171,534
+HK$8,589/mo
Deposit HK$20.31M · loan HK$30.47M · min. income ≈ HK$325,890/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,158,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,121
−HK$10,166/mo
▼ 0.25% · 3.875%
HK$167,164
−HK$5,123/mo
Today · 4.125%
HK$172,287
baseline
▲ 0.50% · 4.625%
HK$182,771
+HK$10,484/mo
Deposit HK$15.24M · loan HK$35.55M · min. income ≈ HK$344,574/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,158,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,358
−HK$9,744/mo
▼ 0.25% · 3.875%
HK$185,195
−HK$4,907/mo
Today · 4.125%
HK$190,102
baseline
▲ 0.50% · 4.625%
HK$200,123
+HK$10,021/mo
Deposit HK$15.24M · loan HK$35.55M · min. income ≈ HK$380,204/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,158,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,441
−HK$13,071/mo
▼ 0.25% · 3.875%
HK$214,925
−HK$6,587/mo
Today · 4.125%
HK$221,512
baseline
▲ 0.50% · 4.625%
HK$234,991
+HK$13,479/mo
Deposit HK$5.08M · loan HK$45.71M · min. income ≈ HK$443,024/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,158,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,889
−HK$12,528/mo
▼ 0.25% · 3.875%
HK$238,108
−HK$6,309/mo
Today · 4.125%
HK$244,417
baseline
▲ 0.50% · 4.625%
HK$257,301
+HK$12,884/mo
Deposit HK$5.08M · loan HK$45.71M · min. income ≈ HK$488,834/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,158,324 · Scale 2, in force from 26 Feb 2026)