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$115,307
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$118,894
−HK$3,644/mo
Today · 4.125%
HK$122,538
baseline
▲ 0.50% · 4.625%
HK$129,994
+HK$7,456/mo
Deposit HK$25.28M · loan HK$25.28M · min. income ≈ HK$245,076/mo (50% DSR)
Upfront cash ≈ HK$27.43M (deposit + AVD stamp duty HK$2,149,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,278
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$131,719
−HK$3,490/mo
Today · 4.125%
HK$135,209
baseline
▲ 0.50% · 4.625%
HK$142,336
+HK$7,127/mo
Deposit HK$25.28M · loan HK$25.28M · min. income ≈ HK$270,418/mo (50% DSR)
Upfront cash ≈ HK$27.43M (deposit + AVD stamp duty HK$2,149,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,369
−HK$8,677/mo
▼ 0.25% · 3.875%
HK$142,673
−HK$4,373/mo
Today · 4.125%
HK$147,046
baseline
▲ 0.50% · 4.625%
HK$155,993
+HK$8,947/mo
Deposit HK$20.23M · loan HK$30.34M · min. income ≈ HK$294,092/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$2,149,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,934
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$158,062
−HK$4,189/mo
Today · 4.125%
HK$162,251
baseline
▲ 0.50% · 4.625%
HK$170,803
+HK$8,552/mo
Deposit HK$20.23M · loan HK$30.34M · min. income ≈ HK$324,502/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$2,149,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,430
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$166,452
−HK$5,102/mo
Today · 4.125%
HK$171,554
baseline
▲ 0.50% · 4.625%
HK$181,992
+HK$10,438/mo
Deposit HK$15.17M · loan HK$35.40M · min. income ≈ HK$343,108/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$2,149,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,590
−HK$9,702/mo
▼ 0.25% · 3.875%
HK$184,406
−HK$4,886/mo
Today · 4.125%
HK$189,292
baseline
▲ 0.50% · 4.625%
HK$199,270
+HK$9,978/mo
Deposit HK$15.17M · loan HK$35.40M · min. income ≈ HK$378,584/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$2,149,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,553
−HK$13,016/mo
▼ 0.25% · 3.875%
HK$214,009
−HK$6,560/mo
Today · 4.125%
HK$220,569
baseline
▲ 0.50% · 4.625%
HK$233,990
+HK$13,421/mo
Deposit HK$5.06M · loan HK$45.51M · min. income ≈ HK$441,138/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,149,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,901
−HK$12,475/mo
▼ 0.25% · 3.875%
HK$237,094
−HK$6,282/mo
Today · 4.125%
HK$243,376
baseline
▲ 0.50% · 4.625%
HK$256,205
+HK$12,829/mo
Deposit HK$5.06M · loan HK$45.51M · min. income ≈ HK$486,752/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,149,130 · Scale 2, in force from 26 Feb 2026)