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$117,073
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$120,714
−HK$3,700/mo
Today · 4.125%
HK$124,414
baseline
▲ 0.50% · 4.625%
HK$131,984
+HK$7,570/mo
Deposit HK$25.67M · loan HK$25.67M · min. income ≈ HK$248,828/mo (50% DSR)
Upfront cash ≈ HK$27.85M (deposit + AVD stamp duty HK$2,182,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,242
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$133,735
−HK$3,544/mo
Today · 4.125%
HK$137,279
baseline
▲ 0.50% · 4.625%
HK$144,515
+HK$7,236/mo
Deposit HK$25.67M · loan HK$25.67M · min. income ≈ HK$274,558/mo (50% DSR)
Upfront cash ≈ HK$27.85M (deposit + AVD stamp duty HK$2,182,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,487
−HK$8,810/mo
▼ 0.25% · 3.875%
HK$144,857
−HK$4,440/mo
Today · 4.125%
HK$149,297
baseline
▲ 0.50% · 4.625%
HK$158,381
+HK$9,084/mo
Deposit HK$20.54M · loan HK$30.81M · min. income ≈ HK$298,594/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$2,182,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,290
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$160,482
−HK$4,252/mo
Today · 4.125%
HK$164,734
baseline
▲ 0.50% · 4.625%
HK$173,418
+HK$8,684/mo
Deposit HK$20.54M · loan HK$30.81M · min. income ≈ HK$329,468/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$2,182,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,902
−HK$10,278/mo
▼ 0.25% · 3.875%
HK$169,000
−HK$5,180/mo
Today · 4.125%
HK$174,180
baseline
▲ 0.50% · 4.625%
HK$184,778
+HK$10,598/mo
Deposit HK$15.40M · loan HK$35.94M · min. income ≈ HK$348,360/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$2,182,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,339
−HK$9,851/mo
▼ 0.25% · 3.875%
HK$187,229
−HK$4,961/mo
Today · 4.125%
HK$192,190
baseline
▲ 0.50% · 4.625%
HK$202,321
+HK$10,131/mo
Deposit HK$15.40M · loan HK$35.94M · min. income ≈ HK$384,380/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$2,182,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,731
−HK$13,214/mo
▼ 0.25% · 3.875%
HK$217,286
−HK$6,659/mo
Today · 4.125%
HK$223,945
baseline
▲ 0.50% · 4.625%
HK$237,572
+HK$13,627/mo
Deposit HK$5.13M · loan HK$46.21M · min. income ≈ HK$447,890/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,182,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,436
−HK$12,666/mo
▼ 0.25% · 3.875%
HK$240,723
−HK$6,379/mo
Today · 4.125%
HK$247,102
baseline
▲ 0.50% · 4.625%
HK$260,127
+HK$13,025/mo
Deposit HK$5.13M · loan HK$46.21M · min. income ≈ HK$494,204/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,182,029 · Scale 2, in force from 26 Feb 2026)