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$115,254
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$118,839
−HK$3,642/mo
Today · 4.125%
HK$122,481
baseline
▲ 0.50% · 4.625%
HK$129,934
+HK$7,453/mo
Deposit HK$25.27M · loan HK$25.27M · min. income ≈ HK$244,962/mo (50% DSR)
Upfront cash ≈ HK$27.42M (deposit + AVD stamp duty HK$2,148,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,219
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$131,658
−HK$3,488/mo
Today · 4.125%
HK$135,146
baseline
▲ 0.50% · 4.625%
HK$142,270
+HK$7,124/mo
Deposit HK$25.27M · loan HK$25.27M · min. income ≈ HK$270,292/mo (50% DSR)
Upfront cash ≈ HK$27.42M (deposit + AVD stamp duty HK$2,148,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,305
−HK$8,673/mo
▼ 0.25% · 3.875%
HK$142,607
−HK$4,371/mo
Today · 4.125%
HK$146,978
baseline
▲ 0.50% · 4.625%
HK$155,921
+HK$8,943/mo
Deposit HK$20.22M · loan HK$30.33M · min. income ≈ HK$293,956/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$2,148,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,863
−HK$8,312/mo
▼ 0.25% · 3.875%
HK$157,989
−HK$4,186/mo
Today · 4.125%
HK$162,175
baseline
▲ 0.50% · 4.625%
HK$170,724
+HK$8,549/mo
Deposit HK$20.22M · loan HK$30.33M · min. income ≈ HK$324,350/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$2,148,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,355
−HK$10,119/mo
▼ 0.25% · 3.875%
HK$166,375
−HK$5,099/mo
Today · 4.125%
HK$171,474
baseline
▲ 0.50% · 4.625%
HK$181,908
+HK$10,434/mo
Deposit HK$15.16M · loan HK$35.38M · min. income ≈ HK$342,948/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$2,148,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,506
−HK$9,699/mo
▼ 0.25% · 3.875%
HK$184,321
−HK$4,884/mo
Today · 4.125%
HK$189,205
baseline
▲ 0.50% · 4.625%
HK$199,178
+HK$9,973/mo
Deposit HK$15.16M · loan HK$35.38M · min. income ≈ HK$378,410/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$2,148,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,457
−HK$13,009/mo
▼ 0.25% · 3.875%
HK$213,910
−HK$6,556/mo
Today · 4.125%
HK$220,466
baseline
▲ 0.50% · 4.625%
HK$233,881
+HK$13,415/mo
Deposit HK$5.05M · loan HK$45.49M · min. income ≈ HK$440,932/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,148,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,794
−HK$12,469/mo
▼ 0.25% · 3.875%
HK$236,984
−HK$6,279/mo
Today · 4.125%
HK$243,263
baseline
▲ 0.50% · 4.625%
HK$256,086
+HK$12,823/mo
Deposit HK$5.05M · loan HK$45.49M · min. income ≈ HK$486,526/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,148,132 · Scale 2, in force from 26 Feb 2026)