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$117,238
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,885
−HK$3,705/mo
Today · 4.125%
HK$124,590
baseline
▲ 0.50% · 4.625%
HK$132,171
+HK$7,581/mo
Deposit HK$25.71M · loan HK$25.71M · min. income ≈ HK$249,180/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$2,185,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,426
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,924
−HK$3,549/mo
Today · 4.125%
HK$137,473
baseline
▲ 0.50% · 4.625%
HK$144,719
+HK$7,246/mo
Deposit HK$25.71M · loan HK$25.71M · min. income ≈ HK$274,946/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$2,185,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,686
−HK$8,822/mo
▼ 0.25% · 3.875%
HK$145,062
−HK$4,446/mo
Today · 4.125%
HK$149,508
baseline
▲ 0.50% · 4.625%
HK$158,605
+HK$9,097/mo
Deposit HK$20.57M · loan HK$30.85M · min. income ≈ HK$299,016/mo (50% DSR)
Upfront cash ≈ HK$22.75M (deposit + AVD stamp duty HK$2,185,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,512
−HK$8,455/mo
▼ 0.25% · 3.875%
HK$160,709
−HK$4,258/mo
Today · 4.125%
HK$164,967
baseline
▲ 0.50% · 4.625%
HK$173,663
+HK$8,696/mo
Deposit HK$20.57M · loan HK$30.85M · min. income ≈ HK$329,934/mo (50% DSR)
Upfront cash ≈ HK$22.75M (deposit + AVD stamp duty HK$2,185,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,133
−HK$10,293/mo
▼ 0.25% · 3.875%
HK$169,239
−HK$5,187/mo
Today · 4.125%
HK$174,426
baseline
▲ 0.50% · 4.625%
HK$185,040
+HK$10,614/mo
Deposit HK$15.42M · loan HK$35.99M · min. income ≈ HK$348,852/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$2,185,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,597
−HK$9,865/mo
▼ 0.25% · 3.875%
HK$187,494
−HK$4,968/mo
Today · 4.125%
HK$192,462
baseline
▲ 0.50% · 4.625%
HK$202,607
+HK$10,145/mo
Deposit HK$15.42M · loan HK$35.99M · min. income ≈ HK$384,924/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$2,185,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,029
−HK$13,233/mo
▼ 0.25% · 3.875%
HK$217,593
−HK$6,669/mo
Today · 4.125%
HK$224,262
baseline
▲ 0.50% · 4.625%
HK$237,908
+HK$13,646/mo
Deposit HK$5.14M · loan HK$46.27M · min. income ≈ HK$448,524/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,185,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,767
−HK$12,684/mo
▼ 0.25% · 3.875%
HK$241,064
−HK$6,387/mo
Today · 4.125%
HK$247,451
baseline
▲ 0.50% · 4.625%
HK$260,495
+HK$13,044/mo
Deposit HK$5.14M · loan HK$46.27M · min. income ≈ HK$494,902/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,185,116 · Scale 2, in force from 26 Feb 2026)