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$117,036
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$120,677
−HK$3,698/mo
Today · 4.125%
HK$124,375
baseline
▲ 0.50% · 4.625%
HK$131,943
+HK$7,568/mo
Deposit HK$25.66M · loan HK$25.66M · min. income ≈ HK$248,750/mo (50% DSR)
Upfront cash ≈ HK$27.84M (deposit + AVD stamp duty HK$2,181,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,202
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,693
−HK$3,543/mo
Today · 4.125%
HK$137,236
baseline
▲ 0.50% · 4.625%
HK$144,470
+HK$7,234/mo
Deposit HK$25.66M · loan HK$25.66M · min. income ≈ HK$274,472/mo (50% DSR)
Upfront cash ≈ HK$27.84M (deposit + AVD stamp duty HK$2,181,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,443
−HK$8,807/mo
▼ 0.25% · 3.875%
HK$144,812
−HK$4,438/mo
Today · 4.125%
HK$149,250
baseline
▲ 0.50% · 4.625%
HK$158,332
+HK$9,082/mo
Deposit HK$20.53M · loan HK$30.80M · min. income ≈ HK$298,500/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$2,181,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,242
−HK$8,441/mo
▼ 0.25% · 3.875%
HK$160,432
−HK$4,251/mo
Today · 4.125%
HK$164,683
baseline
▲ 0.50% · 4.625%
HK$173,364
+HK$8,681/mo
Deposit HK$20.53M · loan HK$30.80M · min. income ≈ HK$329,366/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$2,181,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,851
−HK$10,274/mo
▼ 0.25% · 3.875%
HK$168,947
−HK$5,178/mo
Today · 4.125%
HK$174,125
baseline
▲ 0.50% · 4.625%
HK$184,721
+HK$10,596/mo
Deposit HK$15.40M · loan HK$35.93M · min. income ≈ HK$348,250/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$2,181,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,282
−HK$9,848/mo
▼ 0.25% · 3.875%
HK$187,171
−HK$4,959/mo
Today · 4.125%
HK$192,130
baseline
▲ 0.50% · 4.625%
HK$202,258
+HK$10,128/mo
Deposit HK$15.40M · loan HK$35.93M · min. income ≈ HK$384,260/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$2,181,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,665
−HK$13,211/mo
▼ 0.25% · 3.875%
HK$217,218
−HK$6,658/mo
Today · 4.125%
HK$223,876
baseline
▲ 0.50% · 4.625%
HK$237,498
+HK$13,622/mo
Deposit HK$5.13M · loan HK$46.19M · min. income ≈ HK$447,752/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,181,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,363
−HK$12,662/mo
▼ 0.25% · 3.875%
HK$240,648
−HK$6,377/mo
Today · 4.125%
HK$247,025
baseline
▲ 0.50% · 4.625%
HK$260,046
+HK$13,021/mo
Deposit HK$5.13M · loan HK$46.19M · min. income ≈ HK$494,050/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,181,350 · Scale 2, in force from 26 Feb 2026)