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$116,486
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,110
−HK$3,681/mo
Today · 4.125%
HK$123,791
baseline
▲ 0.50% · 4.625%
HK$131,323
+HK$7,532/mo
Deposit HK$25.54M · loan HK$25.54M · min. income ≈ HK$247,582/mo (50% DSR)
Upfront cash ≈ HK$27.71M (deposit + AVD stamp duty HK$2,171,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,590
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,065
−HK$3,526/mo
Today · 4.125%
HK$136,591
baseline
▲ 0.50% · 4.625%
HK$143,791
+HK$7,200/mo
Deposit HK$25.54M · loan HK$25.54M · min. income ≈ HK$273,182/mo (50% DSR)
Upfront cash ≈ HK$27.71M (deposit + AVD stamp duty HK$2,171,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,784
−HK$8,765/mo
▼ 0.25% · 3.875%
HK$144,132
−HK$4,417/mo
Today · 4.125%
HK$148,549
baseline
▲ 0.50% · 4.625%
HK$157,588
+HK$9,039/mo
Deposit HK$20.43M · loan HK$30.65M · min. income ≈ HK$297,098/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$2,171,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,508
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$159,678
−HK$4,231/mo
Today · 4.125%
HK$163,909
baseline
▲ 0.50% · 4.625%
HK$172,549
+HK$8,640/mo
Deposit HK$20.43M · loan HK$30.65M · min. income ≈ HK$327,818/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$2,171,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,081
−HK$10,226/mo
▼ 0.25% · 3.875%
HK$168,154
−HK$5,153/mo
Today · 4.125%
HK$173,307
baseline
▲ 0.50% · 4.625%
HK$183,853
+HK$10,546/mo
Deposit HK$15.33M · loan HK$35.76M · min. income ≈ HK$346,614/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$2,171,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,426
−HK$9,802/mo
▼ 0.25% · 3.875%
HK$186,292
−HK$4,936/mo
Today · 4.125%
HK$191,228
baseline
▲ 0.50% · 4.625%
HK$201,308
+HK$10,080/mo
Deposit HK$15.33M · loan HK$35.76M · min. income ≈ HK$382,456/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$2,171,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,675
−HK$13,149/mo
▼ 0.25% · 3.875%
HK$216,197
−HK$6,627/mo
Today · 4.125%
HK$222,824
baseline
▲ 0.50% · 4.625%
HK$236,382
+HK$13,558/mo
Deposit HK$5.11M · loan HK$45.98M · min. income ≈ HK$445,648/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,171,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,262
−HK$12,602/mo
▼ 0.25% · 3.875%
HK$239,518
−HK$6,346/mo
Today · 4.125%
HK$245,864
baseline
▲ 0.50% · 4.625%
HK$258,824
+HK$12,960/mo
Deposit HK$5.11M · loan HK$45.98M · min. income ≈ HK$491,728/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,171,102 · Scale 2, in force from 26 Feb 2026)