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$115,455
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,047
−HK$3,648/mo
Today · 4.125%
HK$122,695
baseline
▲ 0.50% · 4.625%
HK$130,161
+HK$7,466/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$245,390/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,151,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,443
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,888
−HK$3,494/mo
Today · 4.125%
HK$135,382
baseline
▲ 0.50% · 4.625%
HK$142,518
+HK$7,136/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$270,764/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,151,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,546
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$142,856
−HK$4,378/mo
Today · 4.125%
HK$147,234
baseline
▲ 0.50% · 4.625%
HK$156,193
+HK$8,959/mo
Deposit HK$20.25M · loan HK$30.38M · min. income ≈ HK$294,468/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,151,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,131
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$158,265
−HK$4,194/mo
Today · 4.125%
HK$162,459
baseline
▲ 0.50% · 4.625%
HK$171,022
+HK$8,563/mo
Deposit HK$20.25M · loan HK$30.38M · min. income ≈ HK$324,918/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,151,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,637
−HK$10,136/mo
▼ 0.25% · 3.875%
HK$166,665
−HK$5,108/mo
Today · 4.125%
HK$171,773
baseline
▲ 0.50% · 4.625%
HK$182,225
+HK$10,452/mo
Deposit HK$15.19M · loan HK$35.44M · min. income ≈ HK$343,546/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$2,151,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,820
−HK$9,715/mo
▼ 0.25% · 3.875%
HK$184,643
−HK$4,892/mo
Today · 4.125%
HK$189,535
baseline
▲ 0.50% · 4.625%
HK$199,526
+HK$9,991/mo
Deposit HK$15.19M · loan HK$35.44M · min. income ≈ HK$379,070/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$2,151,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,819
−HK$13,033/mo
▼ 0.25% · 3.875%
HK$214,284
−HK$6,568/mo
Today · 4.125%
HK$220,852
baseline
▲ 0.50% · 4.625%
HK$234,290
+HK$13,438/mo
Deposit HK$5.06M · loan HK$45.57M · min. income ≈ HK$441,704/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,151,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,197
−HK$12,491/mo
▼ 0.25% · 3.875%
HK$237,398
−HK$6,290/mo
Today · 4.125%
HK$243,688
baseline
▲ 0.50% · 4.625%
HK$256,533
+HK$12,845/mo
Deposit HK$5.06M · loan HK$45.57M · min. income ≈ HK$487,376/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,151,885 · Scale 2, in force from 26 Feb 2026)