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$115,954
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$119,561
−HK$3,664/mo
Today · 4.125%
HK$123,225
baseline
▲ 0.50% · 4.625%
HK$130,723
+HK$7,498/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$246,450/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,998
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$132,457
−HK$3,510/mo
Today · 4.125%
HK$135,967
baseline
▲ 0.50% · 4.625%
HK$143,134
+HK$7,167/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$271,934/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,145
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$143,473
−HK$4,397/mo
Today · 4.125%
HK$147,870
baseline
▲ 0.50% · 4.625%
HK$156,868
+HK$8,998/mo
Deposit HK$20.34M · loan HK$30.51M · min. income ≈ HK$295,740/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,161,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,797
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$158,949
−HK$4,211/mo
Today · 4.125%
HK$163,160
baseline
▲ 0.50% · 4.625%
HK$171,761
+HK$8,601/mo
Deposit HK$20.34M · loan HK$30.51M · min. income ≈ HK$326,320/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,161,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,336
−HK$10,180/mo
▼ 0.25% · 3.875%
HK$167,385
−HK$5,131/mo
Today · 4.125%
HK$172,516
baseline
▲ 0.50% · 4.625%
HK$183,013
+HK$10,497/mo
Deposit HK$15.26M · loan HK$35.60M · min. income ≈ HK$345,032/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,597
−HK$9,757/mo
▼ 0.25% · 3.875%
HK$185,440
−HK$4,914/mo
Today · 4.125%
HK$190,354
baseline
▲ 0.50% · 4.625%
HK$200,388
+HK$10,034/mo
Deposit HK$15.26M · loan HK$35.60M · min. income ≈ HK$380,708/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,717
−HK$13,089/mo
▼ 0.25% · 3.875%
HK$215,210
−HK$6,596/mo
Today · 4.125%
HK$221,806
baseline
▲ 0.50% · 4.625%
HK$235,302
+HK$13,496/mo
Deposit HK$5.09M · loan HK$45.77M · min. income ≈ HK$443,612/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,196
−HK$12,545/mo
▼ 0.25% · 3.875%
HK$238,423
−HK$6,318/mo
Today · 4.125%
HK$244,741
baseline
▲ 0.50% · 4.625%
HK$257,641
+HK$12,900/mo
Deposit HK$5.09M · loan HK$45.77M · min. income ≈ HK$489,482/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,181 · Scale 2, in force from 26 Feb 2026)