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$115,365
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$118,953
−HK$3,646/mo
Today · 4.125%
HK$122,599
baseline
▲ 0.50% · 4.625%
HK$130,059
+HK$7,460/mo
Deposit HK$25.30M · loan HK$25.30M · min. income ≈ HK$245,198/mo (50% DSR)
Upfront cash ≈ HK$27.45M (deposit + AVD stamp duty HK$2,150,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,342
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,784
−HK$3,492/mo
Today · 4.125%
HK$135,276
baseline
▲ 0.50% · 4.625%
HK$142,407
+HK$7,131/mo
Deposit HK$25.30M · loan HK$25.30M · min. income ≈ HK$270,552/mo (50% DSR)
Upfront cash ≈ HK$27.45M (deposit + AVD stamp duty HK$2,150,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,438
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$142,744
−HK$4,375/mo
Today · 4.125%
HK$147,119
baseline
▲ 0.50% · 4.625%
HK$156,071
+HK$8,952/mo
Deposit HK$20.24M · loan HK$30.36M · min. income ≈ HK$294,238/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$2,150,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,011
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$158,141
−HK$4,190/mo
Today · 4.125%
HK$162,331
baseline
▲ 0.50% · 4.625%
HK$170,888
+HK$8,557/mo
Deposit HK$20.24M · loan HK$30.36M · min. income ≈ HK$324,662/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$2,150,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,511
−HK$10,128/mo
▼ 0.25% · 3.875%
HK$166,535
−HK$5,104/mo
Today · 4.125%
HK$171,639
baseline
▲ 0.50% · 4.625%
HK$182,083
+HK$10,444/mo
Deposit HK$15.18M · loan HK$35.42M · min. income ≈ HK$343,278/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$2,150,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,679
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$184,498
−HK$4,889/mo
Today · 4.125%
HK$189,387
baseline
▲ 0.50% · 4.625%
HK$199,370
+HK$9,983/mo
Deposit HK$15.18M · loan HK$35.42M · min. income ≈ HK$378,774/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$2,150,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,657
−HK$13,022/mo
▼ 0.25% · 3.875%
HK$214,116
−HK$6,563/mo
Today · 4.125%
HK$220,679
baseline
▲ 0.50% · 4.625%
HK$234,107
+HK$13,428/mo
Deposit HK$5.06M · loan HK$45.53M · min. income ≈ HK$441,358/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,150,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,016
−HK$12,481/mo
▼ 0.25% · 3.875%
HK$237,212
−HK$6,285/mo
Today · 4.125%
HK$243,497
baseline
▲ 0.50% · 4.625%
HK$256,332
+HK$12,835/mo
Deposit HK$5.06M · loan HK$45.53M · min. income ≈ HK$486,994/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$2,150,201 · Scale 2, in force from 26 Feb 2026)