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$116,063
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$119,673
−HK$3,668/mo
Today · 4.125%
HK$123,341
baseline
▲ 0.50% · 4.625%
HK$130,846
+HK$7,505/mo
Deposit HK$25.45M · loan HK$25.45M · min. income ≈ HK$246,682/mo (50% DSR)
Upfront cash ≈ HK$27.61M (deposit + AVD stamp duty HK$2,163,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,119
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$132,582
−HK$3,513/mo
Today · 4.125%
HK$136,095
baseline
▲ 0.50% · 4.625%
HK$143,269
+HK$7,174/mo
Deposit HK$25.45M · loan HK$25.45M · min. income ≈ HK$272,190/mo (50% DSR)
Upfront cash ≈ HK$27.61M (deposit + AVD stamp duty HK$2,163,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,276
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$143,608
−HK$4,402/mo
Today · 4.125%
HK$148,010
baseline
▲ 0.50% · 4.625%
HK$157,016
+HK$9,006/mo
Deposit HK$20.36M · loan HK$30.54M · min. income ≈ HK$296,020/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$2,163,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,943
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$159,099
−HK$4,215/mo
Today · 4.125%
HK$163,314
baseline
▲ 0.50% · 4.625%
HK$171,923
+HK$8,609/mo
Deposit HK$20.36M · loan HK$30.54M · min. income ≈ HK$326,628/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$2,163,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,489
−HK$10,189/mo
▼ 0.25% · 3.875%
HK$167,543
−HK$5,135/mo
Today · 4.125%
HK$172,678
baseline
▲ 0.50% · 4.625%
HK$183,185
+HK$10,507/mo
Deposit HK$15.27M · loan HK$35.63M · min. income ≈ HK$345,356/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$2,163,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,767
−HK$9,766/mo
▼ 0.25% · 3.875%
HK$185,615
−HK$4,918/mo
Today · 4.125%
HK$190,533
baseline
▲ 0.50% · 4.625%
HK$200,576
+HK$10,043/mo
Deposit HK$15.27M · loan HK$35.63M · min. income ≈ HK$381,066/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$2,163,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,914
−HK$13,101/mo
▼ 0.25% · 3.875%
HK$215,412
−HK$6,603/mo
Today · 4.125%
HK$222,015
baseline
▲ 0.50% · 4.625%
HK$235,524
+HK$13,509/mo
Deposit HK$5.09M · loan HK$45.81M · min. income ≈ HK$444,030/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,163,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,415
−HK$12,556/mo
▼ 0.25% · 3.875%
HK$238,648
−HK$6,323/mo
Today · 4.125%
HK$244,971
baseline
▲ 0.50% · 4.625%
HK$257,884
+HK$12,913/mo
Deposit HK$5.09M · loan HK$45.81M · min. income ≈ HK$489,942/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,163,217 · Scale 2, in force from 26 Feb 2026)