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$117,193
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$120,838
−HK$3,704/mo
Today · 4.125%
HK$124,542
baseline
▲ 0.50% · 4.625%
HK$132,120
+HK$7,578/mo
Deposit HK$25.70M · loan HK$25.70M · min. income ≈ HK$249,084/mo (50% DSR)
Upfront cash ≈ HK$27.88M (deposit + AVD stamp duty HK$2,184,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,376
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,873
−HK$3,547/mo
Today · 4.125%
HK$137,420
baseline
▲ 0.50% · 4.625%
HK$144,663
+HK$7,243/mo
Deposit HK$25.70M · loan HK$25.70M · min. income ≈ HK$274,840/mo (50% DSR)
Upfront cash ≈ HK$27.88M (deposit + AVD stamp duty HK$2,184,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,632
−HK$8,818/mo
▼ 0.25% · 3.875%
HK$145,006
−HK$4,444/mo
Today · 4.125%
HK$149,450
baseline
▲ 0.50% · 4.625%
HK$158,544
+HK$9,094/mo
Deposit HK$20.56M · loan HK$30.84M · min. income ≈ HK$298,900/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$2,184,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,451
−HK$8,453/mo
▼ 0.25% · 3.875%
HK$160,647
−HK$4,257/mo
Today · 4.125%
HK$164,904
baseline
▲ 0.50% · 4.625%
HK$173,596
+HK$8,692/mo
Deposit HK$20.56M · loan HK$30.84M · min. income ≈ HK$329,808/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$2,184,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,070
−HK$10,289/mo
▼ 0.25% · 3.875%
HK$169,174
−HK$5,185/mo
Today · 4.125%
HK$174,359
baseline
▲ 0.50% · 4.625%
HK$184,968
+HK$10,609/mo
Deposit HK$15.42M · loan HK$35.98M · min. income ≈ HK$348,718/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$2,184,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,526
−HK$9,862/mo
▼ 0.25% · 3.875%
HK$187,422
−HK$4,966/mo
Today · 4.125%
HK$192,388
baseline
▲ 0.50% · 4.625%
HK$202,529
+HK$10,141/mo
Deposit HK$15.42M · loan HK$35.98M · min. income ≈ HK$384,776/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$2,184,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,947
−HK$13,229/mo
▼ 0.25% · 3.875%
HK$217,509
−HK$6,667/mo
Today · 4.125%
HK$224,176
baseline
▲ 0.50% · 4.625%
HK$237,816
+HK$13,640/mo
Deposit HK$5.14M · loan HK$46.26M · min. income ≈ HK$448,352/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,184,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,677
−HK$12,679/mo
▼ 0.25% · 3.875%
HK$240,971
−HK$6,385/mo
Today · 4.125%
HK$247,356
baseline
▲ 0.50% · 4.625%
HK$260,394
+HK$13,038/mo
Deposit HK$5.14M · loan HK$46.26M · min. income ≈ HK$494,712/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,184,273 · Scale 2, in force from 26 Feb 2026)