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$115,488
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$119,080
−HK$3,650/mo
Today · 4.125%
HK$122,730
baseline
▲ 0.50% · 4.625%
HK$130,198
+HK$7,468/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$245,460/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,152,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,479
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,925
−HK$3,495/mo
Today · 4.125%
HK$135,420
baseline
▲ 0.50% · 4.625%
HK$142,558
+HK$7,138/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$270,840/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,152,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,585
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$142,896
−HK$4,380/mo
Today · 4.125%
HK$147,276
baseline
▲ 0.50% · 4.625%
HK$156,237
+HK$8,961/mo
Deposit HK$20.26M · loan HK$30.39M · min. income ≈ HK$294,552/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$2,152,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,175
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$158,310
−HK$4,194/mo
Today · 4.125%
HK$162,504
baseline
▲ 0.50% · 4.625%
HK$171,070
+HK$8,566/mo
Deposit HK$20.26M · loan HK$30.39M · min. income ≈ HK$325,008/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$2,152,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,683
−HK$10,139/mo
▼ 0.25% · 3.875%
HK$166,712
−HK$5,110/mo
Today · 4.125%
HK$171,822
baseline
▲ 0.50% · 4.625%
HK$182,277
+HK$10,455/mo
Deposit HK$15.19M · loan HK$35.45M · min. income ≈ HK$343,644/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$2,152,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,871
−HK$9,717/mo
▼ 0.25% · 3.875%
HK$184,695
−HK$4,893/mo
Today · 4.125%
HK$189,588
baseline
▲ 0.50% · 4.625%
HK$199,582
+HK$9,994/mo
Deposit HK$15.19M · loan HK$35.45M · min. income ≈ HK$379,176/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$2,152,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,878
−HK$13,036/mo
▼ 0.25% · 3.875%
HK$214,344
−HK$6,570/mo
Today · 4.125%
HK$220,914
baseline
▲ 0.50% · 4.625%
HK$234,356
+HK$13,442/mo
Deposit HK$5.06M · loan HK$45.58M · min. income ≈ HK$441,828/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,152,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,262
−HK$12,495/mo
▼ 0.25% · 3.875%
HK$237,464
−HK$6,293/mo
Today · 4.125%
HK$243,757
baseline
▲ 0.50% · 4.625%
HK$256,605
+HK$12,848/mo
Deposit HK$5.06M · loan HK$45.58M · min. income ≈ HK$487,514/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,152,491 · Scale 2, in force from 26 Feb 2026)