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$116,625
−HK$7,313/mo
▼ 0.25% · 3.875%
HK$120,252
−HK$3,686/mo
Today · 4.125%
HK$123,938
baseline
▲ 0.50% · 4.625%
HK$131,479
+HK$7,541/mo
Deposit HK$25.57M · loan HK$25.57M · min. income ≈ HK$247,876/mo (50% DSR)
Upfront cash ≈ HK$27.75M (deposit + AVD stamp duty HK$2,173,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,744
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$133,223
−HK$3,530/mo
Today · 4.125%
HK$136,753
baseline
▲ 0.50% · 4.625%
HK$143,962
+HK$7,209/mo
Deposit HK$25.57M · loan HK$25.57M · min. income ≈ HK$273,506/mo (50% DSR)
Upfront cash ≈ HK$27.75M (deposit + AVD stamp duty HK$2,173,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,950
−HK$8,776/mo
▼ 0.25% · 3.875%
HK$144,303
−HK$4,423/mo
Today · 4.125%
HK$148,726
baseline
▲ 0.50% · 4.625%
HK$157,775
+HK$9,049/mo
Deposit HK$20.46M · loan HK$30.69M · min. income ≈ HK$297,452/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$2,173,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,693
−HK$8,411/mo
▼ 0.25% · 3.875%
HK$159,868
−HK$4,236/mo
Today · 4.125%
HK$164,104
baseline
▲ 0.50% · 4.625%
HK$172,754
+HK$8,650/mo
Deposit HK$20.46M · loan HK$30.69M · min. income ≈ HK$328,208/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$2,173,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,275
−HK$10,238/mo
▼ 0.25% · 3.875%
HK$168,353
−HK$5,160/mo
Today · 4.125%
HK$173,513
baseline
▲ 0.50% · 4.625%
HK$184,071
+HK$10,558/mo
Deposit HK$15.34M · loan HK$35.80M · min. income ≈ HK$347,026/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$2,173,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,641
−HK$9,814/mo
▼ 0.25% · 3.875%
HK$186,513
−HK$4,942/mo
Today · 4.125%
HK$191,455
baseline
▲ 0.50% · 4.625%
HK$201,547
+HK$10,092/mo
Deposit HK$15.34M · loan HK$35.80M · min. income ≈ HK$382,910/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$2,173,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,924
−HK$13,165/mo
▼ 0.25% · 3.875%
HK$216,454
−HK$6,635/mo
Today · 4.125%
HK$223,089
baseline
▲ 0.50% · 4.625%
HK$236,663
+HK$13,574/mo
Deposit HK$5.11M · loan HK$46.03M · min. income ≈ HK$446,178/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,173,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,539
−HK$12,617/mo
▼ 0.25% · 3.875%
HK$239,802
−HK$6,354/mo
Today · 4.125%
HK$246,156
baseline
▲ 0.50% · 4.625%
HK$259,131
+HK$12,975/mo
Deposit HK$5.11M · loan HK$46.03M · min. income ≈ HK$492,312/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,173,682 · Scale 2, in force from 26 Feb 2026)