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$116,511
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$120,135
−HK$3,682/mo
Today · 4.125%
HK$123,817
baseline
▲ 0.50% · 4.625%
HK$131,351
+HK$7,534/mo
Deposit HK$25.55M · loan HK$25.55M · min. income ≈ HK$247,634/mo (50% DSR)
Upfront cash ≈ HK$27.72M (deposit + AVD stamp duty HK$2,171,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,617
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$133,093
−HK$3,527/mo
Today · 4.125%
HK$136,620
baseline
▲ 0.50% · 4.625%
HK$143,821
+HK$7,201/mo
Deposit HK$25.55M · loan HK$25.55M · min. income ≈ HK$273,240/mo (50% DSR)
Upfront cash ≈ HK$27.72M (deposit + AVD stamp duty HK$2,171,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,813
−HK$8,767/mo
▼ 0.25% · 3.875%
HK$144,162
−HK$4,418/mo
Today · 4.125%
HK$148,580
baseline
▲ 0.50% · 4.625%
HK$157,621
+HK$9,041/mo
Deposit HK$20.44M · loan HK$30.66M · min. income ≈ HK$297,160/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$2,171,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,540
−HK$8,404/mo
▼ 0.25% · 3.875%
HK$159,712
−HK$4,232/mo
Today · 4.125%
HK$163,944
baseline
▲ 0.50% · 4.625%
HK$172,585
+HK$8,641/mo
Deposit HK$20.44M · loan HK$30.66M · min. income ≈ HK$327,888/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$2,171,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,115
−HK$10,229/mo
▼ 0.25% · 3.875%
HK$168,189
−HK$5,155/mo
Today · 4.125%
HK$173,344
baseline
▲ 0.50% · 4.625%
HK$183,891
+HK$10,547/mo
Deposit HK$15.33M · loan HK$35.77M · min. income ≈ HK$346,688/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$2,171,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,464
−HK$9,804/mo
▼ 0.25% · 3.875%
HK$186,330
−HK$4,938/mo
Today · 4.125%
HK$191,268
baseline
▲ 0.50% · 4.625%
HK$201,350
+HK$10,082/mo
Deposit HK$15.33M · loan HK$35.77M · min. income ≈ HK$382,536/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$2,171,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,719
−HK$13,151/mo
▼ 0.25% · 3.875%
HK$216,243
−HK$6,627/mo
Today · 4.125%
HK$222,870
baseline
▲ 0.50% · 4.625%
HK$236,432
+HK$13,562/mo
Deposit HK$5.11M · loan HK$45.99M · min. income ≈ HK$445,740/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,171,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,310
−HK$12,606/mo
▼ 0.25% · 3.875%
HK$239,568
−HK$6,348/mo
Today · 4.125%
HK$245,916
baseline
▲ 0.50% · 4.625%
HK$258,878
+HK$12,962/mo
Deposit HK$5.11M · loan HK$45.99M · min. income ≈ HK$491,832/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,171,556 · Scale 2, in force from 26 Feb 2026)