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$115,193
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$118,776
−HK$3,640/mo
Today · 4.125%
HK$122,416
baseline
▲ 0.50% · 4.625%
HK$129,865
+HK$7,449/mo
Deposit HK$25.26M · loan HK$25.26M · min. income ≈ HK$244,832/mo (50% DSR)
Upfront cash ≈ HK$27.41M (deposit + AVD stamp duty HK$2,146,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,151
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$131,588
−HK$3,486/mo
Today · 4.125%
HK$135,074
baseline
▲ 0.50% · 4.625%
HK$142,194
+HK$7,120/mo
Deposit HK$25.26M · loan HK$25.26M · min. income ≈ HK$270,148/mo (50% DSR)
Upfront cash ≈ HK$27.41M (deposit + AVD stamp duty HK$2,146,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,231
−HK$8,668/mo
▼ 0.25% · 3.875%
HK$142,531
−HK$4,368/mo
Today · 4.125%
HK$146,899
baseline
▲ 0.50% · 4.625%
HK$155,838
+HK$8,939/mo
Deposit HK$20.21M · loan HK$30.31M · min. income ≈ HK$293,798/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$2,146,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,781
−HK$8,308/mo
▼ 0.25% · 3.875%
HK$157,905
−HK$4,184/mo
Today · 4.125%
HK$162,089
baseline
▲ 0.50% · 4.625%
HK$170,633
+HK$8,544/mo
Deposit HK$20.21M · loan HK$30.31M · min. income ≈ HK$324,178/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$2,146,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,270
−HK$10,113/mo
▼ 0.25% · 3.875%
HK$166,286
−HK$5,097/mo
Today · 4.125%
HK$171,383
baseline
▲ 0.50% · 4.625%
HK$181,811
+HK$10,428/mo
Deposit HK$15.16M · loan HK$35.36M · min. income ≈ HK$342,766/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$2,146,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,411
−HK$9,693/mo
▼ 0.25% · 3.875%
HK$184,223
−HK$4,881/mo
Today · 4.125%
HK$189,104
baseline
▲ 0.50% · 4.625%
HK$199,072
+HK$9,968/mo
Deposit HK$15.16M · loan HK$35.36M · min. income ≈ HK$378,208/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$2,146,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,347
−HK$13,002/mo
▼ 0.25% · 3.875%
HK$213,796
−HK$6,553/mo
Today · 4.125%
HK$220,349
baseline
▲ 0.50% · 4.625%
HK$233,757
+HK$13,408/mo
Deposit HK$5.05M · loan HK$45.47M · min. income ≈ HK$440,698/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,146,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,671
−HK$12,463/mo
▼ 0.25% · 3.875%
HK$236,858
−HK$6,276/mo
Today · 4.125%
HK$243,134
baseline
▲ 0.50% · 4.625%
HK$255,949
+HK$12,815/mo
Deposit HK$5.05M · loan HK$45.47M · min. income ≈ HK$486,268/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,146,989 · Scale 2, in force from 26 Feb 2026)