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$117,113
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,756
−HK$3,701/mo
Today · 4.125%
HK$124,457
baseline
▲ 0.50% · 4.625%
HK$132,030
+HK$7,573/mo
Deposit HK$25.68M · loan HK$25.68M · min. income ≈ HK$248,914/mo (50% DSR)
Upfront cash ≈ HK$27.86M (deposit + AVD stamp duty HK$2,182,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,287
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$133,781
−HK$3,545/mo
Today · 4.125%
HK$137,326
baseline
▲ 0.50% · 4.625%
HK$144,565
+HK$7,239/mo
Deposit HK$25.68M · loan HK$25.68M · min. income ≈ HK$274,652/mo (50% DSR)
Upfront cash ≈ HK$27.86M (deposit + AVD stamp duty HK$2,182,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,536
−HK$8,812/mo
▼ 0.25% · 3.875%
HK$144,907
−HK$4,441/mo
Today · 4.125%
HK$149,348
baseline
▲ 0.50% · 4.625%
HK$158,436
+HK$9,088/mo
Deposit HK$20.54M · loan HK$30.82M · min. income ≈ HK$298,696/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$2,182,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,345
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$160,538
−HK$4,253/mo
Today · 4.125%
HK$164,791
baseline
▲ 0.50% · 4.625%
HK$173,478
+HK$8,687/mo
Deposit HK$20.54M · loan HK$30.82M · min. income ≈ HK$329,582/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$2,182,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,958
−HK$10,282/mo
▼ 0.25% · 3.875%
HK$169,058
−HK$5,182/mo
Today · 4.125%
HK$174,240
baseline
▲ 0.50% · 4.625%
HK$184,842
+HK$10,602/mo
Deposit HK$15.41M · loan HK$35.95M · min. income ≈ HK$348,480/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$2,182,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,402
−HK$9,855/mo
▼ 0.25% · 3.875%
HK$187,294
−HK$4,963/mo
Today · 4.125%
HK$192,257
baseline
▲ 0.50% · 4.625%
HK$202,391
+HK$10,134/mo
Deposit HK$15.41M · loan HK$35.95M · min. income ≈ HK$384,514/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$2,182,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,803
−HK$13,220/mo
▼ 0.25% · 3.875%
HK$217,361
−HK$6,662/mo
Today · 4.125%
HK$224,023
baseline
▲ 0.50% · 4.625%
HK$237,654
+HK$13,631/mo
Deposit HK$5.14M · loan HK$46.22M · min. income ≈ HK$448,046/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,182,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,517
−HK$12,670/mo
▼ 0.25% · 3.875%
HK$240,806
−HK$6,381/mo
Today · 4.125%
HK$247,187
baseline
▲ 0.50% · 4.625%
HK$260,217
+HK$13,030/mo
Deposit HK$5.14M · loan HK$46.22M · min. income ≈ HK$494,374/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,182,783 · Scale 2, in force from 26 Feb 2026)