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$115,949
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$119,556
−HK$3,664/mo
Today · 4.125%
HK$123,220
baseline
▲ 0.50% · 4.625%
HK$130,718
+HK$7,498/mo
Deposit HK$25.42M · loan HK$25.42M · min. income ≈ HK$246,440/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,992
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$132,452
−HK$3,509/mo
Today · 4.125%
HK$135,961
baseline
▲ 0.50% · 4.625%
HK$143,128
+HK$7,167/mo
Deposit HK$25.42M · loan HK$25.42M · min. income ≈ HK$271,922/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,139
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$143,467
−HK$4,397/mo
Today · 4.125%
HK$147,864
baseline
▲ 0.50% · 4.625%
HK$156,861
+HK$8,997/mo
Deposit HK$20.34M · loan HK$30.51M · min. income ≈ HK$295,728/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,161,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,791
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$158,942
−HK$4,211/mo
Today · 4.125%
HK$163,153
baseline
▲ 0.50% · 4.625%
HK$171,754
+HK$8,601/mo
Deposit HK$20.34M · loan HK$30.51M · min. income ≈ HK$326,306/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,161,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,329
−HK$10,179/mo
▼ 0.25% · 3.875%
HK$167,378
−HK$5,130/mo
Today · 4.125%
HK$172,508
baseline
▲ 0.50% · 4.625%
HK$183,005
+HK$10,497/mo
Deposit HK$15.25M · loan HK$35.59M · min. income ≈ HK$345,016/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,589
−HK$9,757/mo
▼ 0.25% · 3.875%
HK$185,432
−HK$4,914/mo
Today · 4.125%
HK$190,346
baseline
▲ 0.50% · 4.625%
HK$200,379
+HK$10,033/mo
Deposit HK$15.25M · loan HK$35.59M · min. income ≈ HK$380,692/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,708
−HK$13,088/mo
▼ 0.25% · 3.875%
HK$215,200
−HK$6,596/mo
Today · 4.125%
HK$221,796
baseline
▲ 0.50% · 4.625%
HK$235,292
+HK$13,496/mo
Deposit HK$5.08M · loan HK$45.76M · min. income ≈ HK$443,592/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,186
−HK$12,544/mo
▼ 0.25% · 3.875%
HK$238,413
−HK$6,317/mo
Today · 4.125%
HK$244,730
baseline
▲ 0.50% · 4.625%
HK$257,630
+HK$12,900/mo
Deposit HK$5.08M · loan HK$45.76M · min. income ≈ HK$489,460/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,089 · Scale 2, in force from 26 Feb 2026)