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$116,103
−HK$7,281/mo
▼ 0.25% · 3.875%
HK$119,714
−HK$3,670/mo
Today · 4.125%
HK$123,384
baseline
▲ 0.50% · 4.625%
HK$130,891
+HK$7,507/mo
Deposit HK$25.46M · loan HK$25.46M · min. income ≈ HK$246,768/mo (50% DSR)
Upfront cash ≈ HK$27.62M (deposit + AVD stamp duty HK$2,163,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,163
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$132,628
−HK$3,514/mo
Today · 4.125%
HK$136,142
baseline
▲ 0.50% · 4.625%
HK$143,318
+HK$7,176/mo
Deposit HK$25.46M · loan HK$25.46M · min. income ≈ HK$272,284/mo (50% DSR)
Upfront cash ≈ HK$27.62M (deposit + AVD stamp duty HK$2,163,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,324
−HK$8,736/mo
▼ 0.25% · 3.875%
HK$143,657
−HK$4,403/mo
Today · 4.125%
HK$148,060
baseline
▲ 0.50% · 4.625%
HK$157,070
+HK$9,010/mo
Deposit HK$20.37M · loan HK$30.55M · min. income ≈ HK$296,120/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$2,163,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,996
−HK$8,374/mo
▼ 0.25% · 3.875%
HK$159,153
−HK$4,217/mo
Today · 4.125%
HK$163,370
baseline
▲ 0.50% · 4.625%
HK$171,982
+HK$8,612/mo
Deposit HK$20.37M · loan HK$30.55M · min. income ≈ HK$326,740/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$2,163,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,544
−HK$10,193/mo
▼ 0.25% · 3.875%
HK$167,600
−HK$5,137/mo
Today · 4.125%
HK$172,737
baseline
▲ 0.50% · 4.625%
HK$183,248
+HK$10,511/mo
Deposit HK$15.27M · loan HK$35.64M · min. income ≈ HK$345,474/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$2,163,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,829
−HK$9,769/mo
▼ 0.25% · 3.875%
HK$185,679
−HK$4,919/mo
Today · 4.125%
HK$190,598
baseline
▲ 0.50% · 4.625%
HK$200,645
+HK$10,047/mo
Deposit HK$15.27M · loan HK$35.64M · min. income ≈ HK$381,196/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$2,163,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,985
−HK$13,106/mo
▼ 0.25% · 3.875%
HK$215,486
−HK$6,605/mo
Today · 4.125%
HK$222,091
baseline
▲ 0.50% · 4.625%
HK$235,604
+HK$13,513/mo
Deposit HK$5.09M · loan HK$45.82M · min. income ≈ HK$444,182/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,163,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,494
−HK$12,561/mo
▼ 0.25% · 3.875%
HK$238,730
−HK$6,325/mo
Today · 4.125%
HK$245,055
baseline
▲ 0.50% · 4.625%
HK$257,972
+HK$12,917/mo
Deposit HK$5.09M · loan HK$45.82M · min. income ≈ HK$490,110/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,163,958 · Scale 2, in force from 26 Feb 2026)