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$115,592
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,187
−HK$3,653/mo
Today · 4.125%
HK$122,840
baseline
▲ 0.50% · 4.625%
HK$130,315
+HK$7,475/mo
Deposit HK$25.35M · loan HK$25.35M · min. income ≈ HK$245,680/mo (50% DSR)
Upfront cash ≈ HK$27.50M (deposit + AVD stamp duty HK$2,154,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,595
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,044
−HK$3,498/mo
Today · 4.125%
HK$135,542
baseline
▲ 0.50% · 4.625%
HK$142,687
+HK$7,145/mo
Deposit HK$25.35M · loan HK$25.35M · min. income ≈ HK$271,084/mo (50% DSR)
Upfront cash ≈ HK$27.50M (deposit + AVD stamp duty HK$2,154,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,710
−HK$8,699/mo
▼ 0.25% · 3.875%
HK$143,025
−HK$4,384/mo
Today · 4.125%
HK$147,409
baseline
▲ 0.50% · 4.625%
HK$156,378
+HK$8,969/mo
Deposit HK$20.28M · loan HK$30.42M · min. income ≈ HK$294,818/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$2,154,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,314
−HK$8,337/mo
▼ 0.25% · 3.875%
HK$158,452
−HK$4,199/mo
Today · 4.125%
HK$162,651
baseline
▲ 0.50% · 4.625%
HK$171,224
+HK$8,573/mo
Deposit HK$20.28M · loan HK$30.42M · min. income ≈ HK$325,302/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$2,154,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,829
−HK$10,148/mo
▼ 0.25% · 3.875%
HK$166,862
−HK$5,115/mo
Today · 4.125%
HK$171,977
baseline
▲ 0.50% · 4.625%
HK$182,441
+HK$10,464/mo
Deposit HK$15.21M · loan HK$35.48M · min. income ≈ HK$343,954/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$2,154,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,033
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$184,861
−HK$4,898/mo
Today · 4.125%
HK$189,759
baseline
▲ 0.50% · 4.625%
HK$199,762
+HK$10,003/mo
Deposit HK$15.21M · loan HK$35.48M · min. income ≈ HK$379,518/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$2,154,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,065
−HK$13,048/mo
▼ 0.25% · 3.875%
HK$214,537
−HK$6,576/mo
Today · 4.125%
HK$221,113
baseline
▲ 0.50% · 4.625%
HK$234,567
+HK$13,454/mo
Deposit HK$5.07M · loan HK$45.62M · min. income ≈ HK$442,226/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,154,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,470
−HK$12,506/mo
▼ 0.25% · 3.875%
HK$237,678
−HK$6,298/mo
Today · 4.125%
HK$243,976
baseline
▲ 0.50% · 4.625%
HK$256,836
+HK$12,860/mo
Deposit HK$5.07M · loan HK$45.62M · min. income ≈ HK$487,952/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,154,430 · Scale 2, in force from 26 Feb 2026)