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$116,025
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$119,634
−HK$3,667/mo
Today · 4.125%
HK$123,301
baseline
▲ 0.50% · 4.625%
HK$130,803
+HK$7,502/mo
Deposit HK$25.44M · loan HK$25.44M · min. income ≈ HK$246,602/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,162,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,077
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$132,538
−HK$3,512/mo
Today · 4.125%
HK$136,050
baseline
▲ 0.50% · 4.625%
HK$143,222
+HK$7,172/mo
Deposit HK$25.44M · loan HK$25.44M · min. income ≈ HK$272,100/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,162,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,230
−HK$8,731/mo
▼ 0.25% · 3.875%
HK$143,561
−HK$4,400/mo
Today · 4.125%
HK$147,961
baseline
▲ 0.50% · 4.625%
HK$156,964
+HK$9,003/mo
Deposit HK$20.35M · loan HK$30.53M · min. income ≈ HK$295,922/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$2,162,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,892
−HK$8,368/mo
▼ 0.25% · 3.875%
HK$159,046
−HK$4,214/mo
Today · 4.125%
HK$163,260
baseline
▲ 0.50% · 4.625%
HK$171,866
+HK$8,606/mo
Deposit HK$20.35M · loan HK$30.53M · min. income ≈ HK$326,520/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$2,162,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,435
−HK$10,186/mo
▼ 0.25% · 3.875%
HK$167,488
−HK$5,133/mo
Today · 4.125%
HK$172,621
baseline
▲ 0.50% · 4.625%
HK$183,125
+HK$10,504/mo
Deposit HK$15.26M · loan HK$35.62M · min. income ≈ HK$345,242/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$2,162,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,707
−HK$9,763/mo
▼ 0.25% · 3.875%
HK$185,554
−HK$4,916/mo
Today · 4.125%
HK$190,470
baseline
▲ 0.50% · 4.625%
HK$200,510
+HK$10,040/mo
Deposit HK$15.26M · loan HK$35.62M · min. income ≈ HK$380,940/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$2,162,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,845
−HK$13,096/mo
▼ 0.25% · 3.875%
HK$215,341
−HK$6,600/mo
Today · 4.125%
HK$221,941
baseline
▲ 0.50% · 4.625%
HK$235,446
+HK$13,505/mo
Deposit HK$5.09M · loan HK$45.79M · min. income ≈ HK$443,882/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,162,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,338
−HK$12,552/mo
▼ 0.25% · 3.875%
HK$238,569
−HK$6,321/mo
Today · 4.125%
HK$244,890
baseline
▲ 0.50% · 4.625%
HK$257,799
+HK$12,909/mo
Deposit HK$5.09M · loan HK$45.79M · min. income ≈ HK$489,780/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,162,502 · Scale 2, in force from 26 Feb 2026)