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$116,000
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$119,609
−HK$3,666/mo
Today · 4.125%
HK$123,275
baseline
▲ 0.50% · 4.625%
HK$130,776
+HK$7,501/mo
Deposit HK$25.44M · loan HK$25.44M · min. income ≈ HK$246,550/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,049
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$132,510
−HK$3,511/mo
Today · 4.125%
HK$136,021
baseline
▲ 0.50% · 4.625%
HK$143,191
+HK$7,170/mo
Deposit HK$25.44M · loan HK$25.44M · min. income ≈ HK$272,042/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,200
−HK$8,729/mo
▼ 0.25% · 3.875%
HK$143,530
−HK$4,399/mo
Today · 4.125%
HK$147,929
baseline
▲ 0.50% · 4.625%
HK$156,931
+HK$9,002/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$295,858/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,859
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$159,012
−HK$4,214/mo
Today · 4.125%
HK$163,226
baseline
▲ 0.50% · 4.625%
HK$171,829
+HK$8,603/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$326,452/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,400
−HK$10,184/mo
▼ 0.25% · 3.875%
HK$167,452
−HK$5,132/mo
Today · 4.125%
HK$172,584
baseline
▲ 0.50% · 4.625%
HK$183,086
+HK$10,502/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$345,168/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,669
−HK$9,761/mo
▼ 0.25% · 3.875%
HK$185,514
−HK$4,916/mo
Today · 4.125%
HK$190,430
baseline
▲ 0.50% · 4.625%
HK$200,468
+HK$10,038/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$380,860/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,801
−HK$13,093/mo
▼ 0.25% · 3.875%
HK$215,295
−HK$6,599/mo
Today · 4.125%
HK$221,894
baseline
▲ 0.50% · 4.625%
HK$235,396
+HK$13,502/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$443,788/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,289
−HK$12,549/mo
▼ 0.25% · 3.875%
HK$238,518
−HK$6,320/mo
Today · 4.125%
HK$244,838
baseline
▲ 0.50% · 4.625%
HK$257,744
+HK$12,906/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$489,676/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,162,044 · Scale 2, in force from 26 Feb 2026)