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$116,180
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$119,794
−HK$3,671/mo
Today · 4.125%
HK$123,465
baseline
▲ 0.50% · 4.625%
HK$130,978
+HK$7,513/mo
Deposit HK$25.48M · loan HK$25.48M · min. income ≈ HK$246,930/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,165,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,249
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$132,715
−HK$3,517/mo
Today · 4.125%
HK$136,232
baseline
▲ 0.50% · 4.625%
HK$143,413
+HK$7,181/mo
Deposit HK$25.48M · loan HK$25.48M · min. income ≈ HK$272,464/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,165,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,416
−HK$8,742/mo
▼ 0.25% · 3.875%
HK$143,752
−HK$4,406/mo
Today · 4.125%
HK$148,158
baseline
▲ 0.50% · 4.625%
HK$157,173
+HK$9,015/mo
Deposit HK$20.38M · loan HK$30.57M · min. income ≈ HK$296,316/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,165,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,099
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$159,258
−HK$4,220/mo
Today · 4.125%
HK$163,478
baseline
▲ 0.50% · 4.625%
HK$172,095
+HK$8,617/mo
Deposit HK$20.38M · loan HK$30.57M · min. income ≈ HK$326,956/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,165,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,652
−HK$10,199/mo
▼ 0.25% · 3.875%
HK$167,711
−HK$5,140/mo
Today · 4.125%
HK$172,851
baseline
▲ 0.50% · 4.625%
HK$183,369
+HK$10,518/mo
Deposit HK$15.29M · loan HK$35.67M · min. income ≈ HK$345,702/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$2,165,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,948
−HK$9,776/mo
▼ 0.25% · 3.875%
HK$185,801
−HK$4,923/mo
Today · 4.125%
HK$190,724
baseline
▲ 0.50% · 4.625%
HK$200,778
+HK$10,054/mo
Deposit HK$15.29M · loan HK$35.67M · min. income ≈ HK$381,448/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$2,165,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,124
−HK$13,113/mo
▼ 0.25% · 3.875%
HK$215,628
−HK$6,609/mo
Today · 4.125%
HK$222,237
baseline
▲ 0.50% · 4.625%
HK$235,760
+HK$13,523/mo
Deposit HK$5.10M · loan HK$45.86M · min. income ≈ HK$444,474/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,648
−HK$12,569/mo
▼ 0.25% · 3.875%
HK$238,887
−HK$6,330/mo
Today · 4.125%
HK$245,217
baseline
▲ 0.50% · 4.625%
HK$258,143
+HK$12,926/mo
Deposit HK$5.10M · loan HK$45.86M · min. income ≈ HK$490,434/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,388 · Scale 2, in force from 26 Feb 2026)