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$117,007
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$120,647
−HK$3,698/mo
Today · 4.125%
HK$124,345
baseline
▲ 0.50% · 4.625%
HK$131,911
+HK$7,566/mo
Deposit HK$25.66M · loan HK$25.66M · min. income ≈ HK$248,690/mo (50% DSR)
Upfront cash ≈ HK$27.84M (deposit + AVD stamp duty HK$2,180,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,170
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,661
−HK$3,541/mo
Today · 4.125%
HK$137,202
baseline
▲ 0.50% · 4.625%
HK$144,434
+HK$7,232/mo
Deposit HK$25.66M · loan HK$25.66M · min. income ≈ HK$274,404/mo (50% DSR)
Upfront cash ≈ HK$27.84M (deposit + AVD stamp duty HK$2,180,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,409
−HK$8,805/mo
▼ 0.25% · 3.875%
HK$144,776
−HK$4,438/mo
Today · 4.125%
HK$149,214
baseline
▲ 0.50% · 4.625%
HK$158,293
+HK$9,079/mo
Deposit HK$20.53M · loan HK$30.79M · min. income ≈ HK$298,428/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$2,180,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,203
−HK$8,440/mo
▼ 0.25% · 3.875%
HK$160,393
−HK$4,250/mo
Today · 4.125%
HK$164,643
baseline
▲ 0.50% · 4.625%
HK$173,321
+HK$8,678/mo
Deposit HK$20.53M · loan HK$30.79M · min. income ≈ HK$329,286/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$2,180,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,810
−HK$10,273/mo
▼ 0.25% · 3.875%
HK$168,906
−HK$5,177/mo
Today · 4.125%
HK$174,083
baseline
▲ 0.50% · 4.625%
HK$184,675
+HK$10,592/mo
Deposit HK$15.39M · loan HK$35.92M · min. income ≈ HK$348,166/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$2,180,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,237
−HK$9,846/mo
▼ 0.25% · 3.875%
HK$187,125
−HK$4,958/mo
Today · 4.125%
HK$192,083
baseline
▲ 0.50% · 4.625%
HK$202,208
+HK$10,125/mo
Deposit HK$15.39M · loan HK$35.92M · min. income ≈ HK$384,166/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$2,180,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,613
−HK$13,208/mo
▼ 0.25% · 3.875%
HK$217,165
−HK$6,656/mo
Today · 4.125%
HK$223,821
baseline
▲ 0.50% · 4.625%
HK$237,440
+HK$13,619/mo
Deposit HK$5.13M · loan HK$46.18M · min. income ≈ HK$447,642/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,180,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,305
−HK$12,659/mo
▼ 0.25% · 3.875%
HK$240,589
−HK$6,375/mo
Today · 4.125%
HK$246,964
baseline
▲ 0.50% · 4.625%
HK$259,982
+HK$13,018/mo
Deposit HK$5.13M · loan HK$46.18M · min. income ≈ HK$493,928/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,180,814 · Scale 2, in force from 26 Feb 2026)