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$115,291
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$118,877
−HK$3,643/mo
Today · 4.125%
HK$122,520
baseline
▲ 0.50% · 4.625%
HK$129,975
+HK$7,455/mo
Deposit HK$25.28M · loan HK$25.28M · min. income ≈ HK$245,040/mo (50% DSR)
Upfront cash ≈ HK$27.43M (deposit + AVD stamp duty HK$2,148,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,260
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$131,700
−HK$3,489/mo
Today · 4.125%
HK$135,189
baseline
▲ 0.50% · 4.625%
HK$142,315
+HK$7,126/mo
Deposit HK$25.28M · loan HK$25.28M · min. income ≈ HK$270,378/mo (50% DSR)
Upfront cash ≈ HK$27.43M (deposit + AVD stamp duty HK$2,148,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,349
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$142,652
−HK$4,372/mo
Today · 4.125%
HK$147,024
baseline
▲ 0.50% · 4.625%
HK$155,971
+HK$8,947/mo
Deposit HK$20.22M · loan HK$30.34M · min. income ≈ HK$294,048/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$2,148,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,912
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$158,039
−HK$4,188/mo
Today · 4.125%
HK$162,227
baseline
▲ 0.50% · 4.625%
HK$170,778
+HK$8,551/mo
Deposit HK$20.22M · loan HK$30.34M · min. income ≈ HK$324,454/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$2,148,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,407
−HK$10,122/mo
▼ 0.25% · 3.875%
HK$166,428
−HK$5,101/mo
Today · 4.125%
HK$171,529
baseline
▲ 0.50% · 4.625%
HK$181,966
+HK$10,437/mo
Deposit HK$15.17M · loan HK$35.39M · min. income ≈ HK$343,058/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$2,148,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,564
−HK$9,701/mo
▼ 0.25% · 3.875%
HK$184,379
−HK$4,886/mo
Today · 4.125%
HK$189,265
baseline
▲ 0.50% · 4.625%
HK$199,241
+HK$9,976/mo
Deposit HK$15.17M · loan HK$35.39M · min. income ≈ HK$378,530/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$2,148,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,523
−HK$13,014/mo
▼ 0.25% · 3.875%
HK$213,978
−HK$6,559/mo
Today · 4.125%
HK$220,537
baseline
▲ 0.50% · 4.625%
HK$233,956
+HK$13,419/mo
Deposit HK$5.06M · loan HK$45.50M · min. income ≈ HK$441,074/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,148,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,867
−HK$12,474/mo
▼ 0.25% · 3.875%
HK$237,059
−HK$6,282/mo
Today · 4.125%
HK$243,341
baseline
▲ 0.50% · 4.625%
HK$256,167
+HK$12,826/mo
Deposit HK$5.06M · loan HK$45.50M · min. income ≈ HK$486,682/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,148,817 · Scale 2, in force from 26 Feb 2026)