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$116,003
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,611
−HK$3,666/mo
Today · 4.125%
HK$123,277
baseline
▲ 0.50% · 4.625%
HK$130,778
+HK$7,501/mo
Deposit HK$25.44M · loan HK$25.44M · min. income ≈ HK$246,554/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,162,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,052
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$132,513
−HK$3,511/mo
Today · 4.125%
HK$136,024
baseline
▲ 0.50% · 4.625%
HK$143,194
+HK$7,170/mo
Deposit HK$25.44M · loan HK$25.44M · min. income ≈ HK$272,048/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,162,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,203
−HK$8,729/mo
▼ 0.25% · 3.875%
HK$143,533
−HK$4,399/mo
Today · 4.125%
HK$147,932
baseline
▲ 0.50% · 4.625%
HK$156,934
+HK$9,002/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$295,864/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,162,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,862
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$159,015
−HK$4,214/mo
Today · 4.125%
HK$163,229
baseline
▲ 0.50% · 4.625%
HK$171,833
+HK$8,604/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$326,458/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,162,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,404
−HK$10,184/mo
▼ 0.25% · 3.875%
HK$167,455
−HK$5,133/mo
Today · 4.125%
HK$172,588
baseline
▲ 0.50% · 4.625%
HK$183,089
+HK$10,501/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$345,176/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,162,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,672
−HK$9,762/mo
▼ 0.25% · 3.875%
HK$185,518
−HK$4,916/mo
Today · 4.125%
HK$190,434
baseline
▲ 0.50% · 4.625%
HK$200,472
+HK$10,038/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$380,868/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,162,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,805
−HK$13,094/mo
▼ 0.25% · 3.875%
HK$215,300
−HK$6,599/mo
Today · 4.125%
HK$221,899
baseline
▲ 0.50% · 4.625%
HK$235,401
+HK$13,502/mo
Deposit HK$5.09M · loan HK$45.79M · min. income ≈ HK$443,798/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,162,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,293
−HK$12,550/mo
▼ 0.25% · 3.875%
HK$238,523
−HK$6,320/mo
Today · 4.125%
HK$244,843
baseline
▲ 0.50% · 4.625%
HK$257,749
+HK$12,906/mo
Deposit HK$5.09M · loan HK$45.79M · min. income ≈ HK$489,686/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,162,086 · Scale 2, in force from 26 Feb 2026)