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$116,855
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,490
−HK$3,693/mo
Today · 4.125%
HK$124,183
baseline
▲ 0.50% · 4.625%
HK$131,740
+HK$7,557/mo
Deposit HK$25.62M · loan HK$25.62M · min. income ≈ HK$248,366/mo (50% DSR)
Upfront cash ≈ HK$27.80M (deposit + AVD stamp duty HK$2,177,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,001
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,487
−HK$3,537/mo
Today · 4.125%
HK$137,024
baseline
▲ 0.50% · 4.625%
HK$144,247
+HK$7,223/mo
Deposit HK$25.62M · loan HK$25.62M · min. income ≈ HK$274,048/mo (50% DSR)
Upfront cash ≈ HK$27.80M (deposit + AVD stamp duty HK$2,177,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,227
−HK$8,793/mo
▼ 0.25% · 3.875%
HK$144,588
−HK$4,432/mo
Today · 4.125%
HK$149,020
baseline
▲ 0.50% · 4.625%
HK$158,087
+HK$9,067/mo
Deposit HK$20.50M · loan HK$30.75M · min. income ≈ HK$298,040/mo (50% DSR)
Upfront cash ≈ HK$22.68M (deposit + AVD stamp duty HK$2,177,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,001
−HK$8,428/mo
▼ 0.25% · 3.875%
HK$160,184
−HK$4,245/mo
Today · 4.125%
HK$164,429
baseline
▲ 0.50% · 4.625%
HK$173,096
+HK$8,667/mo
Deposit HK$20.50M · loan HK$30.75M · min. income ≈ HK$328,858/mo (50% DSR)
Upfront cash ≈ HK$22.68M (deposit + AVD stamp duty HK$2,177,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,598
−HK$10,259/mo
▼ 0.25% · 3.875%
HK$168,686
−HK$5,171/mo
Today · 4.125%
HK$173,857
baseline
▲ 0.50% · 4.625%
HK$184,435
+HK$10,578/mo
Deposit HK$15.37M · loan HK$35.87M · min. income ≈ HK$347,714/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$2,177,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,001
−HK$9,833/mo
▼ 0.25% · 3.875%
HK$186,882
−HK$4,952/mo
Today · 4.125%
HK$191,834
baseline
▲ 0.50% · 4.625%
HK$201,945
+HK$10,111/mo
Deposit HK$15.37M · loan HK$35.87M · min. income ≈ HK$383,668/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$2,177,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,340
−HK$13,190/mo
▼ 0.25% · 3.875%
HK$216,883
−HK$6,647/mo
Today · 4.125%
HK$223,530
baseline
▲ 0.50% · 4.625%
HK$237,131
+HK$13,601/mo
Deposit HK$5.12M · loan HK$46.12M · min. income ≈ HK$447,060/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,177,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,001
−HK$12,642/mo
▼ 0.25% · 3.875%
HK$240,277
−HK$6,366/mo
Today · 4.125%
HK$246,643
baseline
▲ 0.50% · 4.625%
HK$259,644
+HK$13,001/mo
Deposit HK$5.12M · loan HK$46.12M · min. income ≈ HK$493,286/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,177,982 · Scale 2, in force from 26 Feb 2026)