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$116,343
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$119,962
−HK$3,677/mo
Today · 4.125%
HK$123,639
baseline
▲ 0.50% · 4.625%
HK$131,162
+HK$7,523/mo
Deposit HK$25.51M · loan HK$25.51M · min. income ≈ HK$247,278/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,168,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,431
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$132,902
−HK$3,521/mo
Today · 4.125%
HK$136,423
baseline
▲ 0.50% · 4.625%
HK$143,615
+HK$7,192/mo
Deposit HK$25.51M · loan HK$25.51M · min. income ≈ HK$272,846/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,168,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,612
−HK$8,755/mo
▼ 0.25% · 3.875%
HK$143,955
−HK$4,412/mo
Today · 4.125%
HK$148,367
baseline
▲ 0.50% · 4.625%
HK$157,395
+HK$9,028/mo
Deposit HK$20.41M · loan HK$30.61M · min. income ≈ HK$296,734/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,168,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,317
−HK$8,391/mo
▼ 0.25% · 3.875%
HK$159,482
−HK$4,226/mo
Today · 4.125%
HK$163,708
baseline
▲ 0.50% · 4.625%
HK$172,337
+HK$8,629/mo
Deposit HK$20.41M · loan HK$30.61M · min. income ≈ HK$327,416/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,168,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,881
−HK$10,214/mo
▼ 0.25% · 3.875%
HK$167,947
−HK$5,148/mo
Today · 4.125%
HK$173,095
baseline
▲ 0.50% · 4.625%
HK$183,627
+HK$10,532/mo
Deposit HK$15.31M · loan HK$35.72M · min. income ≈ HK$346,190/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$2,168,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,203
−HK$9,790/mo
▼ 0.25% · 3.875%
HK$186,063
−HK$4,930/mo
Today · 4.125%
HK$190,993
baseline
▲ 0.50% · 4.625%
HK$201,060
+HK$10,067/mo
Deposit HK$15.31M · loan HK$35.72M · min. income ≈ HK$381,986/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$2,168,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,418
−HK$13,132/mo
▼ 0.25% · 3.875%
HK$215,932
−HK$6,618/mo
Today · 4.125%
HK$222,550
baseline
▲ 0.50% · 4.625%
HK$236,092
+HK$13,542/mo
Deposit HK$5.10M · loan HK$45.92M · min. income ≈ HK$445,100/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,168,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,975
−HK$12,587/mo
▼ 0.25% · 3.875%
HK$239,224
−HK$6,338/mo
Today · 4.125%
HK$245,562
baseline
▲ 0.50% · 4.625%
HK$258,506
+HK$12,944/mo
Deposit HK$5.10M · loan HK$45.92M · min. income ≈ HK$491,124/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,168,436 · Scale 2, in force from 26 Feb 2026)