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$116,913
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$120,549
−HK$3,695/mo
Today · 4.125%
HK$124,244
baseline
▲ 0.50% · 4.625%
HK$131,804
+HK$7,560/mo
Deposit HK$25.64M · loan HK$25.64M · min. income ≈ HK$248,488/mo (50% DSR)
Upfront cash ≈ HK$27.81M (deposit + AVD stamp duty HK$2,179,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,064
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,552
−HK$3,539/mo
Today · 4.125%
HK$137,091
baseline
▲ 0.50% · 4.625%
HK$144,317
+HK$7,226/mo
Deposit HK$25.64M · loan HK$25.64M · min. income ≈ HK$274,182/mo (50% DSR)
Upfront cash ≈ HK$27.81M (deposit + AVD stamp duty HK$2,179,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,295
−HK$8,798/mo
▼ 0.25% · 3.875%
HK$144,659
−HK$4,434/mo
Today · 4.125%
HK$149,093
baseline
▲ 0.50% · 4.625%
HK$158,165
+HK$9,072/mo
Deposit HK$20.51M · loan HK$30.76M · min. income ≈ HK$298,186/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$2,179,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,077
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$160,263
−HK$4,246/mo
Today · 4.125%
HK$164,509
baseline
▲ 0.50% · 4.625%
HK$173,181
+HK$8,672/mo
Deposit HK$20.51M · loan HK$30.76M · min. income ≈ HK$329,018/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$2,179,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,678
−HK$10,264/mo
▼ 0.25% · 3.875%
HK$168,769
−HK$5,173/mo
Today · 4.125%
HK$173,942
baseline
▲ 0.50% · 4.625%
HK$184,526
+HK$10,584/mo
Deposit HK$15.38M · loan HK$35.89M · min. income ≈ HK$347,884/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$2,179,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,090
−HK$9,838/mo
▼ 0.25% · 3.875%
HK$186,973
−HK$4,955/mo
Today · 4.125%
HK$191,928
baseline
▲ 0.50% · 4.625%
HK$202,044
+HK$10,116/mo
Deposit HK$15.38M · loan HK$35.89M · min. income ≈ HK$383,856/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$2,179,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,443
−HK$13,196/mo
▼ 0.25% · 3.875%
HK$216,989
−HK$6,650/mo
Today · 4.125%
HK$223,639
baseline
▲ 0.50% · 4.625%
HK$237,247
+HK$13,608/mo
Deposit HK$5.13M · loan HK$46.14M · min. income ≈ HK$447,278/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,179,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,115
−HK$12,649/mo
▼ 0.25% · 3.875%
HK$240,394
−HK$6,370/mo
Today · 4.125%
HK$246,764
baseline
▲ 0.50% · 4.625%
HK$259,771
+HK$13,007/mo
Deposit HK$5.13M · loan HK$46.14M · min. income ≈ HK$493,528/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,179,048 · Scale 2, in force from 26 Feb 2026)