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$116,327
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,945
−HK$3,677/mo
Today · 4.125%
HK$123,622
baseline
▲ 0.50% · 4.625%
HK$131,144
+HK$7,522/mo
Deposit HK$25.51M · loan HK$25.51M · min. income ≈ HK$247,244/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,168,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,413
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$132,883
−HK$3,521/mo
Today · 4.125%
HK$136,404
baseline
▲ 0.50% · 4.625%
HK$143,594
+HK$7,190/mo
Deposit HK$25.51M · loan HK$25.51M · min. income ≈ HK$272,808/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,168,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,592
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$143,934
−HK$4,412/mo
Today · 4.125%
HK$148,346
baseline
▲ 0.50% · 4.625%
HK$157,373
+HK$9,027/mo
Deposit HK$20.41M · loan HK$30.61M · min. income ≈ HK$296,692/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$2,168,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,295
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$159,460
−HK$4,225/mo
Today · 4.125%
HK$163,685
baseline
▲ 0.50% · 4.625%
HK$172,313
+HK$8,628/mo
Deposit HK$20.41M · loan HK$30.61M · min. income ≈ HK$327,370/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$2,168,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,858
−HK$10,212/mo
▼ 0.25% · 3.875%
HK$167,924
−HK$5,146/mo
Today · 4.125%
HK$173,070
baseline
▲ 0.50% · 4.625%
HK$183,601
+HK$10,531/mo
Deposit HK$15.30M · loan HK$35.71M · min. income ≈ HK$346,140/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,168,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,178
−HK$9,788/mo
▼ 0.25% · 3.875%
HK$186,037
−HK$4,929/mo
Today · 4.125%
HK$190,966
baseline
▲ 0.50% · 4.625%
HK$201,032
+HK$10,066/mo
Deposit HK$15.30M · loan HK$35.71M · min. income ≈ HK$381,932/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,168,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,389
−HK$13,130/mo
▼ 0.25% · 3.875%
HK$215,902
−HK$6,617/mo
Today · 4.125%
HK$222,519
baseline
▲ 0.50% · 4.625%
HK$236,059
+HK$13,540/mo
Deposit HK$5.10M · loan HK$45.91M · min. income ≈ HK$445,038/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,168,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,943
−HK$12,585/mo
▼ 0.25% · 3.875%
HK$239,190
−HK$6,338/mo
Today · 4.125%
HK$245,528
baseline
▲ 0.50% · 4.625%
HK$258,470
+HK$12,942/mo
Deposit HK$5.10M · loan HK$45.91M · min. income ≈ HK$491,056/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,168,132 · Scale 2, in force from 26 Feb 2026)