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$116,161
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$119,774
−HK$3,671/mo
Today · 4.125%
HK$123,445
baseline
▲ 0.50% · 4.625%
HK$130,956
+HK$7,511/mo
Deposit HK$25.47M · loan HK$25.47M · min. income ≈ HK$246,890/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,165,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,227
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$132,693
−HK$3,516/mo
Today · 4.125%
HK$136,209
baseline
▲ 0.50% · 4.625%
HK$143,389
+HK$7,180/mo
Deposit HK$25.47M · loan HK$25.47M · min. income ≈ HK$272,418/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,165,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,393
−HK$8,741/mo
▼ 0.25% · 3.875%
HK$143,729
−HK$4,405/mo
Today · 4.125%
HK$148,134
baseline
▲ 0.50% · 4.625%
HK$157,147
+HK$9,013/mo
Deposit HK$20.38M · loan HK$30.57M · min. income ≈ HK$296,268/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$2,165,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,073
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$159,232
−HK$4,219/mo
Today · 4.125%
HK$163,451
baseline
▲ 0.50% · 4.625%
HK$172,067
+HK$8,616/mo
Deposit HK$20.38M · loan HK$30.57M · min. income ≈ HK$326,902/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$2,165,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,625
−HK$10,198/mo
▼ 0.25% · 3.875%
HK$167,683
−HK$5,140/mo
Today · 4.125%
HK$172,823
baseline
▲ 0.50% · 4.625%
HK$183,339
+HK$10,516/mo
Deposit HK$15.28M · loan HK$35.66M · min. income ≈ HK$345,646/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$2,165,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,918
−HK$9,775/mo
▼ 0.25% · 3.875%
HK$185,771
−HK$4,922/mo
Today · 4.125%
HK$190,693
baseline
▲ 0.50% · 4.625%
HK$200,745
+HK$10,052/mo
Deposit HK$15.28M · loan HK$35.66M · min. income ≈ HK$381,386/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$2,165,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,089
−HK$13,112/mo
▼ 0.25% · 3.875%
HK$215,593
−HK$6,608/mo
Today · 4.125%
HK$222,201
baseline
▲ 0.50% · 4.625%
HK$235,721
+HK$13,520/mo
Deposit HK$5.09M · loan HK$45.85M · min. income ≈ HK$444,402/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,609
−HK$12,568/mo
▼ 0.25% · 3.875%
HK$238,848
−HK$6,329/mo
Today · 4.125%
HK$245,177
baseline
▲ 0.50% · 4.625%
HK$258,100
+HK$12,923/mo
Deposit HK$5.09M · loan HK$45.85M · min. income ≈ HK$490,354/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,030 · Scale 2, in force from 26 Feb 2026)