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$116,202
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,817
−HK$3,672/mo
Today · 4.125%
HK$123,489
baseline
▲ 0.50% · 4.625%
HK$131,003
+HK$7,514/mo
Deposit HK$25.48M · loan HK$25.48M · min. income ≈ HK$246,978/mo (50% DSR)
Upfront cash ≈ HK$27.65M (deposit + AVD stamp duty HK$2,165,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,274
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,741
−HK$3,517/mo
Today · 4.125%
HK$136,258
baseline
▲ 0.50% · 4.625%
HK$143,440
+HK$7,182/mo
Deposit HK$25.48M · loan HK$25.48M · min. income ≈ HK$272,516/mo (50% DSR)
Upfront cash ≈ HK$27.65M (deposit + AVD stamp duty HK$2,165,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,443
−HK$8,744/mo
▼ 0.25% · 3.875%
HK$143,780
−HK$4,407/mo
Today · 4.125%
HK$148,187
baseline
▲ 0.50% · 4.625%
HK$157,204
+HK$9,017/mo
Deposit HK$20.38M · loan HK$30.58M · min. income ≈ HK$296,374/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,165,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,128
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$159,289
−HK$4,220/mo
Today · 4.125%
HK$163,509
baseline
▲ 0.50% · 4.625%
HK$172,128
+HK$8,619/mo
Deposit HK$20.38M · loan HK$30.58M · min. income ≈ HK$327,018/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,165,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,683
−HK$10,202/mo
▼ 0.25% · 3.875%
HK$167,743
−HK$5,142/mo
Today · 4.125%
HK$172,885
baseline
▲ 0.50% · 4.625%
HK$183,404
+HK$10,519/mo
Deposit HK$15.29M · loan HK$35.67M · min. income ≈ HK$345,770/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$2,165,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,983
−HK$9,778/mo
▼ 0.25% · 3.875%
HK$185,837
−HK$4,924/mo
Today · 4.125%
HK$190,761
baseline
▲ 0.50% · 4.625%
HK$200,816
+HK$10,055/mo
Deposit HK$15.29M · loan HK$35.67M · min. income ≈ HK$381,522/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$2,165,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,164
−HK$13,116/mo
▼ 0.25% · 3.875%
HK$215,670
−HK$6,610/mo
Today · 4.125%
HK$222,280
baseline
▲ 0.50% · 4.625%
HK$235,805
+HK$13,525/mo
Deposit HK$5.10M · loan HK$45.86M · min. income ≈ HK$444,560/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,693
−HK$12,571/mo
▼ 0.25% · 3.875%
HK$238,933
−HK$6,331/mo
Today · 4.125%
HK$245,264
baseline
▲ 0.50% · 4.625%
HK$258,192
+HK$12,928/mo
Deposit HK$5.10M · loan HK$45.86M · min. income ≈ HK$490,528/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,804 · Scale 2, in force from 26 Feb 2026)