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$115,927
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$119,533
−HK$3,664/mo
Today · 4.125%
HK$123,197
baseline
▲ 0.50% · 4.625%
HK$130,693
+HK$7,496/mo
Deposit HK$25.42M · loan HK$25.42M · min. income ≈ HK$246,394/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$2,160,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,968
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$132,427
−HK$3,509/mo
Today · 4.125%
HK$135,936
baseline
▲ 0.50% · 4.625%
HK$143,101
+HK$7,165/mo
Deposit HK$25.42M · loan HK$25.42M · min. income ≈ HK$271,872/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$2,160,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,113
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$143,440
−HK$4,396/mo
Today · 4.125%
HK$147,836
baseline
▲ 0.50% · 4.625%
HK$156,832
+HK$8,996/mo
Deposit HK$20.34M · loan HK$30.50M · min. income ≈ HK$295,672/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,160,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,761
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$158,912
−HK$4,211/mo
Today · 4.125%
HK$163,123
baseline
▲ 0.50% · 4.625%
HK$171,721
+HK$8,598/mo
Deposit HK$20.34M · loan HK$30.50M · min. income ≈ HK$326,246/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,160,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,298
−HK$10,178/mo
▼ 0.25% · 3.875%
HK$167,346
−HK$5,130/mo
Today · 4.125%
HK$172,476
baseline
▲ 0.50% · 4.625%
HK$182,970
+HK$10,494/mo
Deposit HK$15.25M · loan HK$35.59M · min. income ≈ HK$344,952/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$2,160,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,555
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$185,397
−HK$4,913/mo
Today · 4.125%
HK$190,310
baseline
▲ 0.50% · 4.625%
HK$200,341
+HK$10,031/mo
Deposit HK$15.25M · loan HK$35.59M · min. income ≈ HK$380,620/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$2,160,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,669
−HK$13,085/mo
▼ 0.25% · 3.875%
HK$215,160
−HK$6,594/mo
Today · 4.125%
HK$221,754
baseline
▲ 0.50% · 4.625%
HK$235,248
+HK$13,494/mo
Deposit HK$5.08M · loan HK$45.76M · min. income ≈ HK$443,508/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,160,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,142
−HK$12,542/mo
▼ 0.25% · 3.875%
HK$238,368
−HK$6,316/mo
Today · 4.125%
HK$244,684
baseline
▲ 0.50% · 4.625%
HK$257,582
+HK$12,898/mo
Deposit HK$5.08M · loan HK$45.76M · min. income ≈ HK$489,368/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,160,681 · Scale 2, in force from 26 Feb 2026)