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$115,362
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,951
−HK$3,646/mo
Today · 4.125%
HK$122,597
baseline
▲ 0.50% · 4.625%
HK$130,056
+HK$7,459/mo
Deposit HK$25.30M · loan HK$25.30M · min. income ≈ HK$245,194/mo (50% DSR)
Upfront cash ≈ HK$27.45M (deposit + AVD stamp duty HK$2,150,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,339
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,781
−HK$3,492/mo
Today · 4.125%
HK$135,273
baseline
▲ 0.50% · 4.625%
HK$142,404
+HK$7,131/mo
Deposit HK$25.30M · loan HK$25.30M · min. income ≈ HK$270,546/mo (50% DSR)
Upfront cash ≈ HK$27.45M (deposit + AVD stamp duty HK$2,150,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,435
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$142,741
−HK$4,375/mo
Today · 4.125%
HK$147,116
baseline
▲ 0.50% · 4.625%
HK$156,068
+HK$8,952/mo
Deposit HK$20.24M · loan HK$30.36M · min. income ≈ HK$294,232/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$2,150,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,007
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$158,138
−HK$4,190/mo
Today · 4.125%
HK$162,328
baseline
▲ 0.50% · 4.625%
HK$170,884
+HK$8,556/mo
Deposit HK$20.24M · loan HK$30.36M · min. income ≈ HK$324,656/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$2,150,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,507
−HK$10,128/mo
▼ 0.25% · 3.875%
HK$166,531
−HK$5,104/mo
Today · 4.125%
HK$171,635
baseline
▲ 0.50% · 4.625%
HK$182,079
+HK$10,444/mo
Deposit HK$15.18M · loan HK$35.41M · min. income ≈ HK$343,270/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$2,150,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,675
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$184,494
−HK$4,889/mo
Today · 4.125%
HK$189,383
baseline
▲ 0.50% · 4.625%
HK$199,365
+HK$9,982/mo
Deposit HK$15.18M · loan HK$35.41M · min. income ≈ HK$378,766/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$2,150,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,652
−HK$13,022/mo
▼ 0.25% · 3.875%
HK$214,111
−HK$6,563/mo
Today · 4.125%
HK$220,674
baseline
▲ 0.50% · 4.625%
HK$234,101
+HK$13,427/mo
Deposit HK$5.06M · loan HK$45.53M · min. income ≈ HK$441,348/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,150,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,011
−HK$12,481/mo
▼ 0.25% · 3.875%
HK$237,207
−HK$6,285/mo
Today · 4.125%
HK$243,492
baseline
▲ 0.50% · 4.625%
HK$256,327
+HK$12,835/mo
Deposit HK$5.06M · loan HK$45.53M · min. income ≈ HK$486,984/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,150,153 · Scale 2, in force from 26 Feb 2026)