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$115,458
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,050
−HK$3,649/mo
Today · 4.125%
HK$122,699
baseline
▲ 0.50% · 4.625%
HK$130,164
+HK$7,465/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$245,398/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,151,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,446
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,891
−HK$3,495/mo
Today · 4.125%
HK$135,386
baseline
▲ 0.50% · 4.625%
HK$142,522
+HK$7,136/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$270,772/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,151,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,550
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$142,860
−HK$4,378/mo
Today · 4.125%
HK$147,238
baseline
▲ 0.50% · 4.625%
HK$156,197
+HK$8,959/mo
Deposit HK$20.25M · loan HK$30.38M · min. income ≈ HK$294,476/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$2,151,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,135
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$158,269
−HK$4,194/mo
Today · 4.125%
HK$162,463
baseline
▲ 0.50% · 4.625%
HK$171,027
+HK$8,564/mo
Deposit HK$20.25M · loan HK$30.38M · min. income ≈ HK$324,926/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$2,151,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,642
−HK$10,136/mo
▼ 0.25% · 3.875%
HK$166,670
−HK$5,108/mo
Today · 4.125%
HK$171,778
baseline
▲ 0.50% · 4.625%
HK$182,230
+HK$10,452/mo
Deposit HK$15.19M · loan HK$35.44M · min. income ≈ HK$343,556/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$2,151,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,825
−HK$9,715/mo
▼ 0.25% · 3.875%
HK$184,648
−HK$4,892/mo
Today · 4.125%
HK$189,540
baseline
▲ 0.50% · 4.625%
HK$199,531
+HK$9,991/mo
Deposit HK$15.19M · loan HK$35.44M · min. income ≈ HK$379,080/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$2,151,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,825
−HK$13,032/mo
▼ 0.25% · 3.875%
HK$214,290
−HK$6,567/mo
Today · 4.125%
HK$220,857
baseline
▲ 0.50% · 4.625%
HK$234,296
+HK$13,439/mo
Deposit HK$5.06M · loan HK$45.57M · min. income ≈ HK$441,714/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,151,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,203
−HK$12,491/mo
▼ 0.25% · 3.875%
HK$237,404
−HK$6,290/mo
Today · 4.125%
HK$243,694
baseline
▲ 0.50% · 4.625%
HK$256,540
+HK$12,846/mo
Deposit HK$5.06M · loan HK$45.57M · min. income ≈ HK$487,388/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,151,942 · Scale 2, in force from 26 Feb 2026)