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$115,778
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,379
−HK$3,659/mo
Today · 4.125%
HK$123,038
baseline
▲ 0.50% · 4.625%
HK$130,525
+HK$7,487/mo
Deposit HK$25.39M · loan HK$25.39M · min. income ≈ HK$246,076/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,157,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,802
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,256
−HK$3,504/mo
Today · 4.125%
HK$135,760
baseline
▲ 0.50% · 4.625%
HK$142,916
+HK$7,156/mo
Deposit HK$25.39M · loan HK$25.39M · min. income ≈ HK$271,520/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,157,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,933
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$143,255
−HK$4,391/mo
Today · 4.125%
HK$147,646
baseline
▲ 0.50% · 4.625%
HK$156,630
+HK$8,984/mo
Deposit HK$20.31M · loan HK$30.46M · min. income ≈ HK$295,292/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,157,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,562
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$158,707
−HK$4,205/mo
Today · 4.125%
HK$162,912
baseline
▲ 0.50% · 4.625%
HK$171,500
+HK$8,588/mo
Deposit HK$20.31M · loan HK$30.46M · min. income ≈ HK$325,824/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,157,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,089
−HK$10,164/mo
▼ 0.25% · 3.875%
HK$167,131
−HK$5,122/mo
Today · 4.125%
HK$172,253
baseline
▲ 0.50% · 4.625%
HK$182,734
+HK$10,481/mo
Deposit HK$15.23M · loan HK$35.54M · min. income ≈ HK$344,506/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,157,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,322
−HK$9,742/mo
▼ 0.25% · 3.875%
HK$185,158
−HK$4,906/mo
Today · 4.125%
HK$190,064
baseline
▲ 0.50% · 4.625%
HK$200,083
+HK$10,019/mo
Deposit HK$15.23M · loan HK$35.54M · min. income ≈ HK$380,128/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,157,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,400
−HK$13,068/mo
▼ 0.25% · 3.875%
HK$214,882
−HK$6,586/mo
Today · 4.125%
HK$221,468
baseline
▲ 0.50% · 4.625%
HK$234,944
+HK$13,476/mo
Deposit HK$5.08M · loan HK$45.70M · min. income ≈ HK$442,936/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,157,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,843
−HK$12,526/mo
▼ 0.25% · 3.875%
HK$238,061
−HK$6,308/mo
Today · 4.125%
HK$244,369
baseline
▲ 0.50% · 4.625%
HK$257,250
+HK$12,881/mo
Deposit HK$5.08M · loan HK$45.70M · min. income ≈ HK$488,738/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,157,895 · Scale 2, in force from 26 Feb 2026)