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$116,634
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,262
−HK$3,686/mo
Today · 4.125%
HK$123,948
baseline
▲ 0.50% · 4.625%
HK$131,490
+HK$7,542/mo
Deposit HK$25.57M · loan HK$25.57M · min. income ≈ HK$247,896/mo (50% DSR)
Upfront cash ≈ HK$27.75M (deposit + AVD stamp duty HK$2,173,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,754
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$133,234
−HK$3,530/mo
Today · 4.125%
HK$136,764
baseline
▲ 0.50% · 4.625%
HK$143,973
+HK$7,209/mo
Deposit HK$25.57M · loan HK$25.57M · min. income ≈ HK$273,528/mo (50% DSR)
Upfront cash ≈ HK$27.75M (deposit + AVD stamp duty HK$2,173,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,961
−HK$8,776/mo
▼ 0.25% · 3.875%
HK$144,314
−HK$4,423/mo
Today · 4.125%
HK$148,737
baseline
▲ 0.50% · 4.625%
HK$157,788
+HK$9,051/mo
Deposit HK$20.46M · loan HK$30.69M · min. income ≈ HK$297,474/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$2,173,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,705
−HK$8,412/mo
▼ 0.25% · 3.875%
HK$159,881
−HK$4,236/mo
Today · 4.125%
HK$164,117
baseline
▲ 0.50% · 4.625%
HK$172,768
+HK$8,651/mo
Deposit HK$20.46M · loan HK$30.69M · min. income ≈ HK$328,234/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$2,173,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,288
−HK$10,239/mo
▼ 0.25% · 3.875%
HK$168,367
−HK$5,160/mo
Today · 4.125%
HK$173,527
baseline
▲ 0.50% · 4.625%
HK$184,086
+HK$10,559/mo
Deposit HK$15.34M · loan HK$35.80M · min. income ≈ HK$347,054/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$2,173,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,656
−HK$9,814/mo
▼ 0.25% · 3.875%
HK$186,528
−HK$4,942/mo
Today · 4.125%
HK$191,470
baseline
▲ 0.50% · 4.625%
HK$201,563
+HK$10,093/mo
Deposit HK$15.34M · loan HK$35.80M · min. income ≈ HK$382,940/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$2,173,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,941
−HK$13,165/mo
▼ 0.25% · 3.875%
HK$216,471
−HK$6,635/mo
Today · 4.125%
HK$223,106
baseline
▲ 0.50% · 4.625%
HK$236,682
+HK$13,576/mo
Deposit HK$5.11M · loan HK$46.03M · min. income ≈ HK$446,212/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,173,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,557
−HK$12,619/mo
▼ 0.25% · 3.875%
HK$239,821
−HK$6,355/mo
Today · 4.125%
HK$246,176
baseline
▲ 0.50% · 4.625%
HK$259,152
+HK$12,976/mo
Deposit HK$5.11M · loan HK$46.03M · min. income ≈ HK$492,352/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,173,853 · Scale 2, in force from 26 Feb 2026)