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$116,919
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$120,556
−HK$3,695/mo
Today · 4.125%
HK$124,251
baseline
▲ 0.50% · 4.625%
HK$131,811
+HK$7,560/mo
Deposit HK$25.64M · loan HK$25.64M · min. income ≈ HK$248,502/mo (50% DSR)
Upfront cash ≈ HK$27.82M (deposit + AVD stamp duty HK$2,179,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,071
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,560
−HK$3,538/mo
Today · 4.125%
HK$137,098
baseline
▲ 0.50% · 4.625%
HK$144,325
+HK$7,227/mo
Deposit HK$25.64M · loan HK$25.64M · min. income ≈ HK$274,196/mo (50% DSR)
Upfront cash ≈ HK$27.82M (deposit + AVD stamp duty HK$2,179,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,303
−HK$8,798/mo
▼ 0.25% · 3.875%
HK$144,667
−HK$4,434/mo
Today · 4.125%
HK$149,101
baseline
▲ 0.50% · 4.625%
HK$158,173
+HK$9,072/mo
Deposit HK$20.51M · loan HK$30.76M · min. income ≈ HK$298,202/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$2,179,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,085
−HK$8,433/mo
▼ 0.25% · 3.875%
HK$160,271
−HK$4,247/mo
Today · 4.125%
HK$164,518
baseline
▲ 0.50% · 4.625%
HK$173,190
+HK$8,672/mo
Deposit HK$20.51M · loan HK$30.76M · min. income ≈ HK$329,036/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$2,179,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,687
−HK$10,264/mo
▼ 0.25% · 3.875%
HK$168,778
−HK$5,173/mo
Today · 4.125%
HK$173,951
baseline
▲ 0.50% · 4.625%
HK$184,536
+HK$10,585/mo
Deposit HK$15.38M · loan HK$35.89M · min. income ≈ HK$347,902/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$2,179,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,100
−HK$9,838/mo
▼ 0.25% · 3.875%
HK$186,983
−HK$4,955/mo
Today · 4.125%
HK$191,938
baseline
▲ 0.50% · 4.625%
HK$202,055
+HK$10,117/mo
Deposit HK$15.38M · loan HK$35.89M · min. income ≈ HK$383,876/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$2,179,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,454
−HK$13,197/mo
▼ 0.25% · 3.875%
HK$217,000
−HK$6,651/mo
Today · 4.125%
HK$223,651
baseline
▲ 0.50% · 4.625%
HK$237,260
+HK$13,609/mo
Deposit HK$5.13M · loan HK$46.15M · min. income ≈ HK$447,302/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,179,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,128
−HK$12,649/mo
▼ 0.25% · 3.875%
HK$240,407
−HK$6,370/mo
Today · 4.125%
HK$246,777
baseline
▲ 0.50% · 4.625%
HK$259,785
+HK$13,008/mo
Deposit HK$5.13M · loan HK$46.15M · min. income ≈ HK$493,554/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,179,165 · Scale 2, in force from 26 Feb 2026)