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$116,009
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$119,618
−HK$3,666/mo
Today · 4.125%
HK$123,284
baseline
▲ 0.50% · 4.625%
HK$130,786
+HK$7,502/mo
Deposit HK$25.44M · loan HK$25.44M · min. income ≈ HK$246,568/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,162,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,059
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$132,521
−HK$3,511/mo
Today · 4.125%
HK$136,032
baseline
▲ 0.50% · 4.625%
HK$143,202
+HK$7,170/mo
Deposit HK$25.44M · loan HK$25.44M · min. income ≈ HK$272,064/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,162,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,211
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$143,542
−HK$4,399/mo
Today · 4.125%
HK$147,941
baseline
▲ 0.50% · 4.625%
HK$156,943
+HK$9,002/mo
Deposit HK$20.35M · loan HK$30.53M · min. income ≈ HK$295,882/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,162,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,871
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$159,025
−HK$4,213/mo
Today · 4.125%
HK$163,238
baseline
▲ 0.50% · 4.625%
HK$171,843
+HK$8,605/mo
Deposit HK$20.35M · loan HK$30.53M · min. income ≈ HK$326,476/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,162,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,413
−HK$10,185/mo
▼ 0.25% · 3.875%
HK$167,465
−HK$5,133/mo
Today · 4.125%
HK$172,598
baseline
▲ 0.50% · 4.625%
HK$183,100
+HK$10,502/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$345,196/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,162,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,683
−HK$9,762/mo
▼ 0.25% · 3.875%
HK$185,529
−HK$4,916/mo
Today · 4.125%
HK$190,445
baseline
▲ 0.50% · 4.625%
HK$200,483
+HK$10,038/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$380,890/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,162,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,817
−HK$13,095/mo
▼ 0.25% · 3.875%
HK$215,312
−HK$6,600/mo
Today · 4.125%
HK$221,912
baseline
▲ 0.50% · 4.625%
HK$235,414
+HK$13,502/mo
Deposit HK$5.09M · loan HK$45.79M · min. income ≈ HK$443,824/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,162,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,307
−HK$12,551/mo
▼ 0.25% · 3.875%
HK$238,537
−HK$6,321/mo
Today · 4.125%
HK$244,858
baseline
▲ 0.50% · 4.625%
HK$257,764
+HK$12,906/mo
Deposit HK$5.09M · loan HK$45.79M · min. income ≈ HK$489,716/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,162,213 · Scale 2, in force from 26 Feb 2026)