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$117,123
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,766
−HK$3,701/mo
Today · 4.125%
HK$124,467
baseline
▲ 0.50% · 4.625%
HK$132,041
+HK$7,574/mo
Deposit HK$25.68M · loan HK$25.68M · min. income ≈ HK$248,934/mo (50% DSR)
Upfront cash ≈ HK$27.86M (deposit + AVD stamp duty HK$2,182,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,298
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$133,793
−HK$3,545/mo
Today · 4.125%
HK$137,338
baseline
▲ 0.50% · 4.625%
HK$144,577
+HK$7,239/mo
Deposit HK$25.68M · loan HK$25.68M · min. income ≈ HK$274,676/mo (50% DSR)
Upfront cash ≈ HK$27.86M (deposit + AVD stamp duty HK$2,182,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,547
−HK$8,814/mo
▼ 0.25% · 3.875%
HK$144,919
−HK$4,442/mo
Today · 4.125%
HK$149,361
baseline
▲ 0.50% · 4.625%
HK$158,449
+HK$9,088/mo
Deposit HK$20.55M · loan HK$30.82M · min. income ≈ HK$298,722/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$2,182,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,358
−HK$8,447/mo
▼ 0.25% · 3.875%
HK$160,551
−HK$4,254/mo
Today · 4.125%
HK$164,805
baseline
▲ 0.50% · 4.625%
HK$173,492
+HK$8,687/mo
Deposit HK$20.55M · loan HK$30.82M · min. income ≈ HK$329,610/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$2,182,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,972
−HK$10,282/mo
▼ 0.25% · 3.875%
HK$169,072
−HK$5,182/mo
Today · 4.125%
HK$174,254
baseline
▲ 0.50% · 4.625%
HK$184,857
+HK$10,603/mo
Deposit HK$15.41M · loan HK$35.95M · min. income ≈ HK$348,508/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$2,182,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,417
−HK$9,856/mo
▼ 0.25% · 3.875%
HK$187,310
−HK$4,963/mo
Today · 4.125%
HK$192,273
baseline
▲ 0.50% · 4.625%
HK$202,408
+HK$10,135/mo
Deposit HK$15.41M · loan HK$35.95M · min. income ≈ HK$384,546/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$2,182,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,821
−HK$13,220/mo
▼ 0.25% · 3.875%
HK$217,379
−HK$6,662/mo
Today · 4.125%
HK$224,041
baseline
▲ 0.50% · 4.625%
HK$237,674
+HK$13,633/mo
Deposit HK$5.14M · loan HK$46.23M · min. income ≈ HK$448,082/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,182,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,536
−HK$12,672/mo
▼ 0.25% · 3.875%
HK$240,827
−HK$6,381/mo
Today · 4.125%
HK$247,208
baseline
▲ 0.50% · 4.625%
HK$260,238
+HK$13,030/mo
Deposit HK$5.14M · loan HK$46.23M · min. income ≈ HK$494,416/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,182,966 · Scale 2, in force from 26 Feb 2026)