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$117,149
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,793
−HK$3,703/mo
Today · 4.125%
HK$124,496
baseline
▲ 0.50% · 4.625%
HK$132,071
+HK$7,575/mo
Deposit HK$25.69M · loan HK$25.69M · min. income ≈ HK$248,992/mo (50% DSR)
Upfront cash ≈ HK$27.87M (deposit + AVD stamp duty HK$2,183,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,328
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,823
−HK$3,546/mo
Today · 4.125%
HK$137,369
baseline
▲ 0.50% · 4.625%
HK$144,610
+HK$7,241/mo
Deposit HK$25.69M · loan HK$25.69M · min. income ≈ HK$274,738/mo (50% DSR)
Upfront cash ≈ HK$27.87M (deposit + AVD stamp duty HK$2,183,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,579
−HK$8,816/mo
▼ 0.25% · 3.875%
HK$144,952
−HK$4,443/mo
Today · 4.125%
HK$149,395
baseline
▲ 0.50% · 4.625%
HK$158,485
+HK$9,090/mo
Deposit HK$20.55M · loan HK$30.83M · min. income ≈ HK$298,790/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$2,183,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,393
−HK$8,450/mo
▼ 0.25% · 3.875%
HK$160,588
−HK$4,255/mo
Today · 4.125%
HK$164,843
baseline
▲ 0.50% · 4.625%
HK$173,532
+HK$8,689/mo
Deposit HK$20.55M · loan HK$30.83M · min. income ≈ HK$329,686/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$2,183,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,009
−HK$10,285/mo
▼ 0.25% · 3.875%
HK$169,111
−HK$5,183/mo
Today · 4.125%
HK$174,294
baseline
▲ 0.50% · 4.625%
HK$184,899
+HK$10,605/mo
Deposit HK$15.41M · loan HK$35.96M · min. income ≈ HK$348,588/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$2,183,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,459
−HK$9,857/mo
▼ 0.25% · 3.875%
HK$187,352
−HK$4,964/mo
Today · 4.125%
HK$192,316
baseline
▲ 0.50% · 4.625%
HK$202,454
+HK$10,138/mo
Deposit HK$15.41M · loan HK$35.96M · min. income ≈ HK$384,632/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$2,183,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,869
−HK$13,223/mo
▼ 0.25% · 3.875%
HK$217,428
−HK$6,664/mo
Today · 4.125%
HK$224,092
baseline
▲ 0.50% · 4.625%
HK$237,728
+HK$13,636/mo
Deposit HK$5.14M · loan HK$46.24M · min. income ≈ HK$448,184/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,183,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,590
−HK$12,674/mo
▼ 0.25% · 3.875%
HK$240,881
−HK$6,383/mo
Today · 4.125%
HK$247,264
baseline
▲ 0.50% · 4.625%
HK$260,297
+HK$13,033/mo
Deposit HK$5.14M · loan HK$46.24M · min. income ≈ HK$494,528/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,183,462 · Scale 2, in force from 26 Feb 2026)