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$117,022
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$120,662
−HK$3,699/mo
Today · 4.125%
HK$124,361
baseline
▲ 0.50% · 4.625%
HK$131,928
+HK$7,567/mo
Deposit HK$25.66M · loan HK$25.66M · min. income ≈ HK$248,722/mo (50% DSR)
Upfront cash ≈ HK$27.84M (deposit + AVD stamp duty HK$2,181,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,186
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,678
−HK$3,542/mo
Today · 4.125%
HK$137,220
baseline
▲ 0.50% · 4.625%
HK$144,453
+HK$7,233/mo
Deposit HK$25.66M · loan HK$25.66M · min. income ≈ HK$274,440/mo (50% DSR)
Upfront cash ≈ HK$27.84M (deposit + AVD stamp duty HK$2,181,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,427
−HK$8,806/mo
▼ 0.25% · 3.875%
HK$144,795
−HK$4,438/mo
Today · 4.125%
HK$149,233
baseline
▲ 0.50% · 4.625%
HK$158,313
+HK$9,080/mo
Deposit HK$20.53M · loan HK$30.79M · min. income ≈ HK$298,466/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$2,181,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,223
−HK$8,441/mo
▼ 0.25% · 3.875%
HK$160,413
−HK$4,251/mo
Today · 4.125%
HK$164,664
baseline
▲ 0.50% · 4.625%
HK$173,343
+HK$8,679/mo
Deposit HK$20.53M · loan HK$30.79M · min. income ≈ HK$329,328/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$2,181,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,831
−HK$10,274/mo
▼ 0.25% · 3.875%
HK$168,927
−HK$5,178/mo
Today · 4.125%
HK$174,105
baseline
▲ 0.50% · 4.625%
HK$184,699
+HK$10,594/mo
Deposit HK$15.40M · loan HK$35.92M · min. income ≈ HK$348,210/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$2,181,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,261
−HK$9,847/mo
▼ 0.25% · 3.875%
HK$187,149
−HK$4,959/mo
Today · 4.125%
HK$192,108
baseline
▲ 0.50% · 4.625%
HK$202,234
+HK$10,126/mo
Deposit HK$15.40M · loan HK$35.92M · min. income ≈ HK$384,216/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$2,181,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,640
−HK$13,209/mo
▼ 0.25% · 3.875%
HK$217,192
−HK$6,657/mo
Today · 4.125%
HK$223,849
baseline
▲ 0.50% · 4.625%
HK$237,470
+HK$13,621/mo
Deposit HK$5.13M · loan HK$46.19M · min. income ≈ HK$447,698/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,181,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,335
−HK$12,661/mo
▼ 0.25% · 3.875%
HK$240,620
−HK$6,376/mo
Today · 4.125%
HK$246,996
baseline
▲ 0.50% · 4.625%
HK$260,015
+HK$13,019/mo
Deposit HK$5.13M · loan HK$46.19M · min. income ≈ HK$493,992/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,181,093 · Scale 2, in force from 26 Feb 2026)