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$115,456
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,047
−HK$3,649/mo
Today · 4.125%
HK$122,696
baseline
▲ 0.50% · 4.625%
HK$130,161
+HK$7,465/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$245,392/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,151,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,443
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,888
−HK$3,495/mo
Today · 4.125%
HK$135,383
baseline
▲ 0.50% · 4.625%
HK$142,519
+HK$7,136/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$270,766/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,151,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,547
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$142,856
−HK$4,379/mo
Today · 4.125%
HK$147,235
baseline
▲ 0.50% · 4.625%
HK$156,194
+HK$8,959/mo
Deposit HK$20.25M · loan HK$30.38M · min. income ≈ HK$294,470/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,151,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,132
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$158,266
−HK$4,193/mo
Today · 4.125%
HK$162,459
baseline
▲ 0.50% · 4.625%
HK$171,022
+HK$8,563/mo
Deposit HK$20.25M · loan HK$30.38M · min. income ≈ HK$324,918/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,151,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,638
−HK$10,136/mo
▼ 0.25% · 3.875%
HK$166,666
−HK$5,108/mo
Today · 4.125%
HK$171,774
baseline
▲ 0.50% · 4.625%
HK$182,226
+HK$10,452/mo
Deposit HK$15.19M · loan HK$35.44M · min. income ≈ HK$343,548/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$2,151,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,820
−HK$9,716/mo
▼ 0.25% · 3.875%
HK$184,643
−HK$4,893/mo
Today · 4.125%
HK$189,536
baseline
▲ 0.50% · 4.625%
HK$199,526
+HK$9,990/mo
Deposit HK$15.19M · loan HK$35.44M · min. income ≈ HK$379,072/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$2,151,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,820
−HK$13,032/mo
▼ 0.25% · 3.875%
HK$214,284
−HK$6,568/mo
Today · 4.125%
HK$220,852
baseline
▲ 0.50% · 4.625%
HK$234,290
+HK$13,438/mo
Deposit HK$5.06M · loan HK$45.57M · min. income ≈ HK$441,704/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,151,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,198
−HK$12,491/mo
▼ 0.25% · 3.875%
HK$237,398
−HK$6,291/mo
Today · 4.125%
HK$243,689
baseline
▲ 0.50% · 4.625%
HK$256,534
+HK$12,845/mo
Deposit HK$5.06M · loan HK$45.57M · min. income ≈ HK$487,378/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,151,890 · Scale 2, in force from 26 Feb 2026)