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$115,579
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,174
−HK$3,653/mo
Today · 4.125%
HK$122,827
baseline
▲ 0.50% · 4.625%
HK$130,300
+HK$7,473/mo
Deposit HK$25.34M · loan HK$25.34M · min. income ≈ HK$245,654/mo (50% DSR)
Upfront cash ≈ HK$27.50M (deposit + AVD stamp duty HK$2,154,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,580
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,029
−HK$3,498/mo
Today · 4.125%
HK$135,527
baseline
▲ 0.50% · 4.625%
HK$142,671
+HK$7,144/mo
Deposit HK$25.34M · loan HK$25.34M · min. income ≈ HK$271,054/mo (50% DSR)
Upfront cash ≈ HK$27.50M (deposit + AVD stamp duty HK$2,154,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,694
−HK$8,698/mo
▼ 0.25% · 3.875%
HK$143,009
−HK$4,383/mo
Today · 4.125%
HK$147,392
baseline
▲ 0.50% · 4.625%
HK$156,360
+HK$8,968/mo
Deposit HK$20.27M · loan HK$30.41M · min. income ≈ HK$294,784/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$2,154,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,296
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$158,434
−HK$4,198/mo
Today · 4.125%
HK$162,632
baseline
▲ 0.50% · 4.625%
HK$171,205
+HK$8,573/mo
Deposit HK$20.27M · loan HK$30.41M · min. income ≈ HK$325,264/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$2,154,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,810
−HK$10,147/mo
▼ 0.25% · 3.875%
HK$166,843
−HK$5,114/mo
Today · 4.125%
HK$171,957
baseline
▲ 0.50% · 4.625%
HK$182,420
+HK$10,463/mo
Deposit HK$15.21M · loan HK$35.48M · min. income ≈ HK$343,914/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$2,154,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,012
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$184,840
−HK$4,898/mo
Today · 4.125%
HK$189,738
baseline
▲ 0.50% · 4.625%
HK$199,739
+HK$10,001/mo
Deposit HK$15.21M · loan HK$35.48M · min. income ≈ HK$379,476/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$2,154,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,042
−HK$13,046/mo
▼ 0.25% · 3.875%
HK$214,513
−HK$6,575/mo
Today · 4.125%
HK$221,088
baseline
▲ 0.50% · 4.625%
HK$234,540
+HK$13,452/mo
Deposit HK$5.07M · loan HK$45.62M · min. income ≈ HK$442,176/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,154,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,444
−HK$12,504/mo
▼ 0.25% · 3.875%
HK$237,651
−HK$6,297/mo
Today · 4.125%
HK$243,948
baseline
▲ 0.50% · 4.625%
HK$256,807
+HK$12,859/mo
Deposit HK$5.07M · loan HK$45.62M · min. income ≈ HK$487,896/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,154,186 · Scale 2, in force from 26 Feb 2026)