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$115,440
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$119,031
−HK$3,648/mo
Today · 4.125%
HK$122,679
baseline
▲ 0.50% · 4.625%
HK$130,144
+HK$7,465/mo
Deposit HK$25.31M · loan HK$25.31M · min. income ≈ HK$245,358/mo (50% DSR)
Upfront cash ≈ HK$27.46M (deposit + AVD stamp duty HK$2,151,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,426
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,870
−HK$3,495/mo
Today · 4.125%
HK$135,365
baseline
▲ 0.50% · 4.625%
HK$142,500
+HK$7,135/mo
Deposit HK$25.31M · loan HK$25.31M · min. income ≈ HK$270,730/mo (50% DSR)
Upfront cash ≈ HK$27.46M (deposit + AVD stamp duty HK$2,151,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,528
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$142,837
−HK$4,378/mo
Today · 4.125%
HK$147,215
baseline
▲ 0.50% · 4.625%
HK$156,173
+HK$8,958/mo
Deposit HK$20.25M · loan HK$30.38M · min. income ≈ HK$294,430/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,151,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,111
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$158,245
−HK$4,193/mo
Today · 4.125%
HK$162,438
baseline
▲ 0.50% · 4.625%
HK$171,000
+HK$8,562/mo
Deposit HK$20.25M · loan HK$30.38M · min. income ≈ HK$324,876/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,151,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,616
−HK$10,135/mo
▼ 0.25% · 3.875%
HK$166,644
−HK$5,107/mo
Today · 4.125%
HK$171,751
baseline
▲ 0.50% · 4.625%
HK$182,202
+HK$10,451/mo
Deposit HK$15.19M · loan HK$35.44M · min. income ≈ HK$343,502/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$2,151,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,797
−HK$9,713/mo
▼ 0.25% · 3.875%
HK$184,619
−HK$4,891/mo
Today · 4.125%
HK$189,510
baseline
▲ 0.50% · 4.625%
HK$199,500
+HK$9,990/mo
Deposit HK$15.19M · loan HK$35.44M · min. income ≈ HK$379,020/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$2,151,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,792
−HK$13,031/mo
▼ 0.25% · 3.875%
HK$214,256
−HK$6,567/mo
Today · 4.125%
HK$220,823
baseline
▲ 0.50% · 4.625%
HK$234,259
+HK$13,436/mo
Deposit HK$5.06M · loan HK$45.56M · min. income ≈ HK$441,646/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,151,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,167
−HK$12,489/mo
▼ 0.25% · 3.875%
HK$237,367
−HK$6,289/mo
Today · 4.125%
HK$243,656
baseline
▲ 0.50% · 4.625%
HK$256,500
+HK$12,844/mo
Deposit HK$5.06M · loan HK$45.56M · min. income ≈ HK$487,312/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,151,606 · Scale 2, in force from 26 Feb 2026)