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$116,899
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$120,536
−HK$3,694/mo
Today · 4.125%
HK$124,230
baseline
▲ 0.50% · 4.625%
HK$131,789
+HK$7,559/mo
Deposit HK$25.63M · loan HK$25.63M · min. income ≈ HK$248,460/mo (50% DSR)
Upfront cash ≈ HK$27.81M (deposit + AVD stamp duty HK$2,178,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,049
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,537
−HK$3,539/mo
Today · 4.125%
HK$137,076
baseline
▲ 0.50% · 4.625%
HK$144,301
+HK$7,225/mo
Deposit HK$25.63M · loan HK$25.63M · min. income ≈ HK$274,152/mo (50% DSR)
Upfront cash ≈ HK$27.81M (deposit + AVD stamp duty HK$2,178,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,279
−HK$8,797/mo
▼ 0.25% · 3.875%
HK$144,643
−HK$4,433/mo
Today · 4.125%
HK$149,076
baseline
▲ 0.50% · 4.625%
HK$158,147
+HK$9,071/mo
Deposit HK$20.51M · loan HK$30.76M · min. income ≈ HK$298,152/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$2,178,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,059
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$160,245
−HK$4,246/mo
Today · 4.125%
HK$164,491
baseline
▲ 0.50% · 4.625%
HK$173,161
+HK$8,670/mo
Deposit HK$20.51M · loan HK$30.76M · min. income ≈ HK$328,982/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$2,178,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,659
−HK$10,263/mo
▼ 0.25% · 3.875%
HK$168,750
−HK$5,172/mo
Today · 4.125%
HK$173,922
baseline
▲ 0.50% · 4.625%
HK$184,505
+HK$10,583/mo
Deposit HK$15.38M · loan HK$35.89M · min. income ≈ HK$347,844/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$2,178,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,069
−HK$9,837/mo
▼ 0.25% · 3.875%
HK$186,952
−HK$4,954/mo
Today · 4.125%
HK$191,906
baseline
▲ 0.50% · 4.625%
HK$202,021
+HK$10,115/mo
Deposit HK$15.38M · loan HK$35.89M · min. income ≈ HK$383,812/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$2,178,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,419
−HK$13,195/mo
▼ 0.25% · 3.875%
HK$216,964
−HK$6,650/mo
Today · 4.125%
HK$223,614
baseline
▲ 0.50% · 4.625%
HK$237,220
+HK$13,606/mo
Deposit HK$5.13M · loan HK$46.14M · min. income ≈ HK$447,228/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,178,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,089
−HK$12,647/mo
▼ 0.25% · 3.875%
HK$240,367
−HK$6,369/mo
Today · 4.125%
HK$246,736
baseline
▲ 0.50% · 4.625%
HK$259,742
+HK$13,006/mo
Deposit HK$5.13M · loan HK$46.14M · min. income ≈ HK$493,472/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,178,801 · Scale 2, in force from 26 Feb 2026)