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$115,276
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$118,862
−HK$3,643/mo
Today · 4.125%
HK$122,505
baseline
▲ 0.50% · 4.625%
HK$129,959
+HK$7,454/mo
Deposit HK$25.28M · loan HK$25.28M · min. income ≈ HK$245,010/mo (50% DSR)
Upfront cash ≈ HK$27.43M (deposit + AVD stamp duty HK$2,148,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,243
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$131,683
−HK$3,489/mo
Today · 4.125%
HK$135,172
baseline
▲ 0.50% · 4.625%
HK$142,297
+HK$7,125/mo
Deposit HK$25.28M · loan HK$25.28M · min. income ≈ HK$270,344/mo (50% DSR)
Upfront cash ≈ HK$27.43M (deposit + AVD stamp duty HK$2,148,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,331
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$142,634
−HK$4,372/mo
Today · 4.125%
HK$147,006
baseline
▲ 0.50% · 4.625%
HK$155,951
+HK$8,945/mo
Deposit HK$20.22M · loan HK$30.33M · min. income ≈ HK$294,012/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$2,148,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,892
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$158,019
−HK$4,187/mo
Today · 4.125%
HK$162,206
baseline
▲ 0.50% · 4.625%
HK$170,756
+HK$8,550/mo
Deposit HK$20.22M · loan HK$30.33M · min. income ≈ HK$324,412/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$2,148,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,386
−HK$10,121/mo
▼ 0.25% · 3.875%
HK$166,406
−HK$5,101/mo
Today · 4.125%
HK$171,507
baseline
▲ 0.50% · 4.625%
HK$181,942
+HK$10,435/mo
Deposit HK$15.17M · loan HK$35.39M · min. income ≈ HK$343,014/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$2,148,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,541
−HK$9,700/mo
▼ 0.25% · 3.875%
HK$184,356
−HK$4,885/mo
Today · 4.125%
HK$189,241
baseline
▲ 0.50% · 4.625%
HK$199,216
+HK$9,975/mo
Deposit HK$15.17M · loan HK$35.39M · min. income ≈ HK$378,482/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$2,148,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,497
−HK$13,012/mo
▼ 0.25% · 3.875%
HK$213,951
−HK$6,558/mo
Today · 4.125%
HK$220,509
baseline
▲ 0.50% · 4.625%
HK$233,926
+HK$13,417/mo
Deposit HK$5.06M · loan HK$45.50M · min. income ≈ HK$441,018/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,148,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,838
−HK$12,471/mo
▼ 0.25% · 3.875%
HK$237,029
−HK$6,280/mo
Today · 4.125%
HK$243,309
baseline
▲ 0.50% · 4.625%
HK$256,135
+HK$12,826/mo
Deposit HK$5.06M · loan HK$45.50M · min. income ≈ HK$486,618/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,148,543 · Scale 2, in force from 26 Feb 2026)