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$116,598
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,225
−HK$3,685/mo
Today · 4.125%
HK$123,910
baseline
▲ 0.50% · 4.625%
HK$131,450
+HK$7,540/mo
Deposit HK$25.57M · loan HK$25.57M · min. income ≈ HK$247,820/mo (50% DSR)
Upfront cash ≈ HK$27.74M (deposit + AVD stamp duty HK$2,173,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,715
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$133,194
−HK$3,529/mo
Today · 4.125%
HK$136,723
baseline
▲ 0.50% · 4.625%
HK$143,930
+HK$7,207/mo
Deposit HK$25.57M · loan HK$25.57M · min. income ≈ HK$273,446/mo (50% DSR)
Upfront cash ≈ HK$27.74M (deposit + AVD stamp duty HK$2,173,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,918
−HK$8,774/mo
▼ 0.25% · 3.875%
HK$144,270
−HK$4,422/mo
Today · 4.125%
HK$148,692
baseline
▲ 0.50% · 4.625%
HK$157,740
+HK$9,048/mo
Deposit HK$20.45M · loan HK$30.68M · min. income ≈ HK$297,384/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$2,173,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,658
−HK$8,409/mo
▼ 0.25% · 3.875%
HK$159,832
−HK$4,235/mo
Today · 4.125%
HK$164,067
baseline
▲ 0.50% · 4.625%
HK$172,715
+HK$8,648/mo
Deposit HK$20.45M · loan HK$30.68M · min. income ≈ HK$328,134/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$2,173,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,238
−HK$10,236/mo
▼ 0.25% · 3.875%
HK$168,315
−HK$5,159/mo
Today · 4.125%
HK$173,474
baseline
▲ 0.50% · 4.625%
HK$184,030
+HK$10,556/mo
Deposit HK$15.34M · loan HK$35.79M · min. income ≈ HK$346,948/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$2,173,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,600
−HK$9,812/mo
▼ 0.25% · 3.875%
HK$186,471
−HK$4,941/mo
Today · 4.125%
HK$191,412
baseline
▲ 0.50% · 4.625%
HK$201,501
+HK$10,089/mo
Deposit HK$15.34M · loan HK$35.79M · min. income ≈ HK$382,824/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$2,173,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,877
−HK$13,161/mo
▼ 0.25% · 3.875%
HK$216,406
−HK$6,632/mo
Today · 4.125%
HK$223,038
baseline
▲ 0.50% · 4.625%
HK$236,610
+HK$13,572/mo
Deposit HK$5.11M · loan HK$46.02M · min. income ≈ HK$446,076/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,173,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,486
−HK$12,615/mo
▼ 0.25% · 3.875%
HK$239,748
−HK$6,353/mo
Today · 4.125%
HK$246,101
baseline
▲ 0.50% · 4.625%
HK$259,073
+HK$12,972/mo
Deposit HK$5.11M · loan HK$46.02M · min. income ≈ HK$492,202/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,173,193 · Scale 2, in force from 26 Feb 2026)