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$116,869
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,504
−HK$3,693/mo
Today · 4.125%
HK$124,197
baseline
▲ 0.50% · 4.625%
HK$131,755
+HK$7,558/mo
Deposit HK$25.63M · loan HK$25.63M · min. income ≈ HK$248,394/mo (50% DSR)
Upfront cash ≈ HK$27.80M (deposit + AVD stamp duty HK$2,178,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,015
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$133,502
−HK$3,538/mo
Today · 4.125%
HK$137,040
baseline
▲ 0.50% · 4.625%
HK$144,263
+HK$7,223/mo
Deposit HK$25.63M · loan HK$25.63M · min. income ≈ HK$274,080/mo (50% DSR)
Upfront cash ≈ HK$27.80M (deposit + AVD stamp duty HK$2,178,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,242
−HK$8,795/mo
▼ 0.25% · 3.875%
HK$144,605
−HK$4,432/mo
Today · 4.125%
HK$149,037
baseline
▲ 0.50% · 4.625%
HK$158,105
+HK$9,068/mo
Deposit HK$20.50M · loan HK$30.75M · min. income ≈ HK$298,074/mo (50% DSR)
Upfront cash ≈ HK$22.68M (deposit + AVD stamp duty HK$2,178,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,018
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$160,203
−HK$4,245/mo
Today · 4.125%
HK$164,448
baseline
▲ 0.50% · 4.625%
HK$173,116
+HK$8,668/mo
Deposit HK$20.50M · loan HK$30.75M · min. income ≈ HK$328,896/mo (50% DSR)
Upfront cash ≈ HK$22.68M (deposit + AVD stamp duty HK$2,178,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,616
−HK$10,260/mo
▼ 0.25% · 3.875%
HK$168,706
−HK$5,170/mo
Today · 4.125%
HK$173,876
baseline
▲ 0.50% · 4.625%
HK$184,456
+HK$10,580/mo
Deposit HK$15.38M · loan HK$35.88M · min. income ≈ HK$347,752/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$2,178,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,021
−HK$9,834/mo
▼ 0.25% · 3.875%
HK$186,903
−HK$4,952/mo
Today · 4.125%
HK$191,855
baseline
▲ 0.50% · 4.625%
HK$201,968
+HK$10,113/mo
Deposit HK$15.38M · loan HK$35.88M · min. income ≈ HK$383,710/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$2,178,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,364
−HK$13,191/mo
▼ 0.25% · 3.875%
HK$216,907
−HK$6,648/mo
Today · 4.125%
HK$223,555
baseline
▲ 0.50% · 4.625%
HK$237,158
+HK$13,603/mo
Deposit HK$5.13M · loan HK$46.13M · min. income ≈ HK$447,110/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,178,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,028
−HK$12,643/mo
▼ 0.25% · 3.875%
HK$240,304
−HK$6,367/mo
Today · 4.125%
HK$246,671
baseline
▲ 0.50% · 4.625%
HK$259,674
+HK$13,003/mo
Deposit HK$5.13M · loan HK$46.13M · min. income ≈ HK$493,342/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,178,230 · Scale 2, in force from 26 Feb 2026)