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$115,726
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$119,326
−HK$3,657/mo
Today · 4.125%
HK$122,983
baseline
▲ 0.50% · 4.625%
HK$130,467
+HK$7,484/mo
Deposit HK$25.38M · loan HK$25.38M · min. income ≈ HK$245,966/mo (50% DSR)
Upfront cash ≈ HK$27.53M (deposit + AVD stamp duty HK$2,156,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,744
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,197
−HK$3,503/mo
Today · 4.125%
HK$135,700
baseline
▲ 0.50% · 4.625%
HK$142,853
+HK$7,153/mo
Deposit HK$25.38M · loan HK$25.38M · min. income ≈ HK$271,400/mo (50% DSR)
Upfront cash ≈ HK$27.53M (deposit + AVD stamp duty HK$2,156,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,872
−HK$8,708/mo
▼ 0.25% · 3.875%
HK$143,191
−HK$4,389/mo
Today · 4.125%
HK$147,580
baseline
▲ 0.50% · 4.625%
HK$156,560
+HK$8,980/mo
Deposit HK$20.30M · loan HK$30.45M · min. income ≈ HK$295,160/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,156,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,493
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$158,637
−HK$4,203/mo
Today · 4.125%
HK$162,840
baseline
▲ 0.50% · 4.625%
HK$171,424
+HK$8,584/mo
Deposit HK$20.30M · loan HK$30.45M · min. income ≈ HK$325,680/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,156,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,017
−HK$10,160/mo
▼ 0.25% · 3.875%
HK$167,057
−HK$5,120/mo
Today · 4.125%
HK$172,177
baseline
▲ 0.50% · 4.625%
HK$182,653
+HK$10,476/mo
Deposit HK$15.23M · loan HK$35.53M · min. income ≈ HK$344,354/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$2,156,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,242
−HK$9,738/mo
▼ 0.25% · 3.875%
HK$185,076
−HK$4,904/mo
Today · 4.125%
HK$189,980
baseline
▲ 0.50% · 4.625%
HK$199,994
+HK$10,014/mo
Deposit HK$15.23M · loan HK$35.53M · min. income ≈ HK$379,960/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$2,156,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,308
−HK$13,062/mo
▼ 0.25% · 3.875%
HK$214,787
−HK$6,583/mo
Today · 4.125%
HK$221,370
baseline
▲ 0.50% · 4.625%
HK$234,840
+HK$13,470/mo
Deposit HK$5.08M · loan HK$45.68M · min. income ≈ HK$442,740/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,156,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,740
−HK$12,520/mo
▼ 0.25% · 3.875%
HK$237,955
−HK$6,305/mo
Today · 4.125%
HK$244,260
baseline
▲ 0.50% · 4.625%
HK$257,136
+HK$12,876/mo
Deposit HK$5.08M · loan HK$45.68M · min. income ≈ HK$488,520/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,156,939 · Scale 2, in force from 26 Feb 2026)