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$117,213
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,859
−HK$3,704/mo
Today · 4.125%
HK$124,563
baseline
▲ 0.50% · 4.625%
HK$132,142
+HK$7,579/mo
Deposit HK$25.70M · loan HK$25.70M · min. income ≈ HK$249,126/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$2,184,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,398
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$133,895
−HK$3,548/mo
Today · 4.125%
HK$137,443
baseline
▲ 0.50% · 4.625%
HK$144,688
+HK$7,245/mo
Deposit HK$25.70M · loan HK$25.70M · min. income ≈ HK$274,886/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$2,184,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,655
−HK$8,820/mo
▼ 0.25% · 3.875%
HK$145,030
−HK$4,445/mo
Today · 4.125%
HK$149,475
baseline
▲ 0.50% · 4.625%
HK$158,571
+HK$9,096/mo
Deposit HK$20.56M · loan HK$30.84M · min. income ≈ HK$298,950/mo (50% DSR)
Upfront cash ≈ HK$22.75M (deposit + AVD stamp duty HK$2,184,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,477
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$160,674
−HK$4,257/mo
Today · 4.125%
HK$164,931
baseline
▲ 0.50% · 4.625%
HK$173,625
+HK$8,694/mo
Deposit HK$20.56M · loan HK$30.84M · min. income ≈ HK$329,862/mo (50% DSR)
Upfront cash ≈ HK$22.75M (deposit + AVD stamp duty HK$2,184,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,098
−HK$10,290/mo
▼ 0.25% · 3.875%
HK$169,202
−HK$5,186/mo
Today · 4.125%
HK$174,388
baseline
▲ 0.50% · 4.625%
HK$184,999
+HK$10,611/mo
Deposit HK$15.42M · loan HK$35.98M · min. income ≈ HK$348,776/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$2,184,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,557
−HK$9,863/mo
▼ 0.25% · 3.875%
HK$187,453
−HK$4,967/mo
Today · 4.125%
HK$192,420
baseline
▲ 0.50% · 4.625%
HK$202,563
+HK$10,143/mo
Deposit HK$15.42M · loan HK$35.98M · min. income ≈ HK$384,840/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$2,184,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,983
−HK$13,230/mo
▼ 0.25% · 3.875%
HK$217,545
−HK$6,668/mo
Today · 4.125%
HK$224,213
baseline
▲ 0.50% · 4.625%
HK$237,856
+HK$13,643/mo
Deposit HK$5.14M · loan HK$46.26M · min. income ≈ HK$448,426/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,184,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,716
−HK$12,681/mo
▼ 0.25% · 3.875%
HK$241,011
−HK$6,386/mo
Today · 4.125%
HK$247,397
baseline
▲ 0.50% · 4.625%
HK$260,438
+HK$13,041/mo
Deposit HK$5.14M · loan HK$46.26M · min. income ≈ HK$494,794/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,184,638 · Scale 2, in force from 26 Feb 2026)