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$115,944
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$119,551
−HK$3,664/mo
Today · 4.125%
HK$123,215
baseline
▲ 0.50% · 4.625%
HK$130,712
+HK$7,497/mo
Deposit HK$25.42M · loan HK$25.42M · min. income ≈ HK$246,430/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$2,160,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,987
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$132,446
−HK$3,509/mo
Today · 4.125%
HK$135,955
baseline
▲ 0.50% · 4.625%
HK$143,122
+HK$7,167/mo
Deposit HK$25.42M · loan HK$25.42M · min. income ≈ HK$271,910/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$2,160,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,133
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$143,461
−HK$4,397/mo
Today · 4.125%
HK$147,858
baseline
▲ 0.50% · 4.625%
HK$156,855
+HK$8,997/mo
Deposit HK$20.34M · loan HK$30.51M · min. income ≈ HK$295,716/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,160,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,784
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$158,935
−HK$4,212/mo
Today · 4.125%
HK$163,147
baseline
▲ 0.50% · 4.625%
HK$171,746
+HK$8,599/mo
Deposit HK$20.34M · loan HK$30.51M · min. income ≈ HK$326,294/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,160,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,322
−HK$10,179/mo
▼ 0.25% · 3.875%
HK$167,371
−HK$5,130/mo
Today · 4.125%
HK$172,501
baseline
▲ 0.50% · 4.625%
HK$182,997
+HK$10,496/mo
Deposit HK$15.25M · loan HK$35.59M · min. income ≈ HK$345,002/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,160,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,581
−HK$9,757/mo
▼ 0.25% · 3.875%
HK$185,424
−HK$4,914/mo
Today · 4.125%
HK$190,338
baseline
▲ 0.50% · 4.625%
HK$200,371
+HK$10,033/mo
Deposit HK$15.25M · loan HK$35.59M · min. income ≈ HK$380,676/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,160,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,699
−HK$13,088/mo
▼ 0.25% · 3.875%
HK$215,191
−HK$6,596/mo
Today · 4.125%
HK$221,787
baseline
▲ 0.50% · 4.625%
HK$235,282
+HK$13,495/mo
Deposit HK$5.08M · loan HK$45.76M · min. income ≈ HK$443,574/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,160,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,176
−HK$12,544/mo
▼ 0.25% · 3.875%
HK$238,403
−HK$6,317/mo
Today · 4.125%
HK$244,720
baseline
▲ 0.50% · 4.625%
HK$257,619
+HK$12,899/mo
Deposit HK$5.08M · loan HK$45.76M · min. income ≈ HK$489,440/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,160,997 · Scale 2, in force from 26 Feb 2026)