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$117,051
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$120,692
−HK$3,700/mo
Today · 4.125%
HK$124,392
baseline
▲ 0.50% · 4.625%
HK$131,961
+HK$7,569/mo
Deposit HK$25.67M · loan HK$25.67M · min. income ≈ HK$248,784/mo (50% DSR)
Upfront cash ≈ HK$27.85M (deposit + AVD stamp duty HK$2,181,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,219
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$133,711
−HK$3,543/mo
Today · 4.125%
HK$137,254
baseline
▲ 0.50% · 4.625%
HK$144,489
+HK$7,235/mo
Deposit HK$25.67M · loan HK$25.67M · min. income ≈ HK$274,508/mo (50% DSR)
Upfront cash ≈ HK$27.85M (deposit + AVD stamp duty HK$2,181,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,462
−HK$8,808/mo
▼ 0.25% · 3.875%
HK$144,831
−HK$4,439/mo
Today · 4.125%
HK$149,270
baseline
▲ 0.50% · 4.625%
HK$158,353
+HK$9,083/mo
Deposit HK$20.53M · loan HK$30.80M · min. income ≈ HK$298,540/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$2,181,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,262
−HK$8,443/mo
▼ 0.25% · 3.875%
HK$160,453
−HK$4,252/mo
Today · 4.125%
HK$164,705
baseline
▲ 0.50% · 4.625%
HK$173,386
+HK$8,681/mo
Deposit HK$20.53M · loan HK$30.80M · min. income ≈ HK$329,410/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$2,181,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,872
−HK$10,276/mo
▼ 0.25% · 3.875%
HK$168,969
−HK$5,179/mo
Today · 4.125%
HK$174,148
baseline
▲ 0.50% · 4.625%
HK$184,745
+HK$10,597/mo
Deposit HK$15.40M · loan HK$35.93M · min. income ≈ HK$348,296/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$2,181,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,306
−HK$9,849/mo
▼ 0.25% · 3.875%
HK$187,195
−HK$4,960/mo
Today · 4.125%
HK$192,155
baseline
▲ 0.50% · 4.625%
HK$202,284
+HK$10,129/mo
Deposit HK$15.40M · loan HK$35.93M · min. income ≈ HK$384,310/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$2,181,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,693
−HK$13,212/mo
▼ 0.25% · 3.875%
HK$217,246
−HK$6,659/mo
Today · 4.125%
HK$223,905
baseline
▲ 0.50% · 4.625%
HK$237,529
+HK$13,624/mo
Deposit HK$5.13M · loan HK$46.20M · min. income ≈ HK$447,810/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,181,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,393
−HK$12,664/mo
▼ 0.25% · 3.875%
HK$240,680
−HK$6,377/mo
Today · 4.125%
HK$247,057
baseline
▲ 0.50% · 4.625%
HK$260,080
+HK$13,023/mo
Deposit HK$5.13M · loan HK$46.20M · min. income ≈ HK$494,114/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,181,635 · Scale 2, in force from 26 Feb 2026)