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$115,536
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$119,130
−HK$3,651/mo
Today · 4.125%
HK$122,781
baseline
▲ 0.50% · 4.625%
HK$130,252
+HK$7,471/mo
Deposit HK$25.33M · loan HK$25.33M · min. income ≈ HK$245,562/mo (50% DSR)
Upfront cash ≈ HK$27.49M (deposit + AVD stamp duty HK$2,153,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,532
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$131,980
−HK$3,497/mo
Today · 4.125%
HK$135,477
baseline
▲ 0.50% · 4.625%
HK$142,618
+HK$7,141/mo
Deposit HK$25.33M · loan HK$25.33M · min. income ≈ HK$270,954/mo (50% DSR)
Upfront cash ≈ HK$27.49M (deposit + AVD stamp duty HK$2,153,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,643
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$142,956
−HK$4,381/mo
Today · 4.125%
HK$147,337
baseline
▲ 0.50% · 4.625%
HK$156,302
+HK$8,965/mo
Deposit HK$20.27M · loan HK$30.40M · min. income ≈ HK$294,674/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$2,153,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,239
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$158,376
−HK$4,196/mo
Today · 4.125%
HK$162,572
baseline
▲ 0.50% · 4.625%
HK$171,141
+HK$8,569/mo
Deposit HK$20.27M · loan HK$30.40M · min. income ≈ HK$325,144/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$2,153,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,750
−HK$10,143/mo
▼ 0.25% · 3.875%
HK$166,782
−HK$5,111/mo
Today · 4.125%
HK$171,893
baseline
▲ 0.50% · 4.625%
HK$182,353
+HK$10,460/mo
Deposit HK$15.20M · loan HK$35.47M · min. income ≈ HK$343,786/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$2,153,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,945
−HK$9,722/mo
▼ 0.25% · 3.875%
HK$184,771
−HK$4,896/mo
Today · 4.125%
HK$189,667
baseline
▲ 0.50% · 4.625%
HK$199,665
+HK$9,998/mo
Deposit HK$15.20M · loan HK$35.47M · min. income ≈ HK$379,334/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$2,153,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,965
−HK$13,041/mo
▼ 0.25% · 3.875%
HK$214,433
−HK$6,573/mo
Today · 4.125%
HK$221,006
baseline
▲ 0.50% · 4.625%
HK$234,453
+HK$13,447/mo
Deposit HK$5.07M · loan HK$45.60M · min. income ≈ HK$442,012/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,153,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,358
−HK$12,500/mo
▼ 0.25% · 3.875%
HK$237,563
−HK$6,295/mo
Today · 4.125%
HK$243,858
baseline
▲ 0.50% · 4.625%
HK$256,712
+HK$12,854/mo
Deposit HK$5.07M · loan HK$45.60M · min. income ≈ HK$487,716/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,153,387 · Scale 2, in force from 26 Feb 2026)