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$116,699
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$120,329
−HK$3,688/mo
Today · 4.125%
HK$124,017
baseline
▲ 0.50% · 4.625%
HK$131,563
+HK$7,546/mo
Deposit HK$25.59M · loan HK$25.59M · min. income ≈ HK$248,034/mo (50% DSR)
Upfront cash ≈ HK$27.76M (deposit + AVD stamp duty HK$2,175,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,827
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$133,309
−HK$3,532/mo
Today · 4.125%
HK$136,841
baseline
▲ 0.50% · 4.625%
HK$144,054
+HK$7,213/mo
Deposit HK$25.59M · loan HK$25.59M · min. income ≈ HK$273,682/mo (50% DSR)
Upfront cash ≈ HK$27.76M (deposit + AVD stamp duty HK$2,175,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,039
−HK$8,782/mo
▼ 0.25% · 3.875%
HK$144,395
−HK$4,426/mo
Today · 4.125%
HK$148,821
baseline
▲ 0.50% · 4.625%
HK$157,876
+HK$9,055/mo
Deposit HK$20.47M · loan HK$30.71M · min. income ≈ HK$297,642/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$2,175,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,792
−HK$8,417/mo
▼ 0.25% · 3.875%
HK$159,970
−HK$4,239/mo
Today · 4.125%
HK$164,209
baseline
▲ 0.50% · 4.625%
HK$172,865
+HK$8,656/mo
Deposit HK$20.47M · loan HK$30.71M · min. income ≈ HK$328,418/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$2,175,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,379
−HK$10,245/mo
▼ 0.25% · 3.875%
HK$168,461
−HK$5,163/mo
Today · 4.125%
HK$173,624
baseline
▲ 0.50% · 4.625%
HK$184,189
+HK$10,565/mo
Deposit HK$15.35M · loan HK$35.82M · min. income ≈ HK$347,248/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$2,175,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,757
−HK$9,820/mo
▼ 0.25% · 3.875%
HK$186,632
−HK$4,945/mo
Today · 4.125%
HK$191,577
baseline
▲ 0.50% · 4.625%
HK$201,675
+HK$10,098/mo
Deposit HK$15.35M · loan HK$35.82M · min. income ≈ HK$383,154/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$2,175,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,059
−HK$13,172/mo
▼ 0.25% · 3.875%
HK$216,593
−HK$6,638/mo
Today · 4.125%
HK$223,231
baseline
▲ 0.50% · 4.625%
HK$236,814
+HK$13,583/mo
Deposit HK$5.12M · loan HK$46.06M · min. income ≈ HK$446,462/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,175,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,688
−HK$12,625/mo
▼ 0.25% · 3.875%
HK$239,955
−HK$6,358/mo
Today · 4.125%
HK$246,313
baseline
▲ 0.50% · 4.625%
HK$259,297
+HK$12,984/mo
Deposit HK$5.12M · loan HK$46.06M · min. income ≈ HK$492,626/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,175,070 · Scale 2, in force from 26 Feb 2026)