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$115,859
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$119,463
−HK$3,661/mo
Today · 4.125%
HK$123,124
baseline
▲ 0.50% · 4.625%
HK$130,616
+HK$7,492/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$246,248/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,159,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,892
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$132,348
−HK$3,507/mo
Today · 4.125%
HK$135,855
baseline
▲ 0.50% · 4.625%
HK$143,016
+HK$7,161/mo
Deposit HK$25.40M · loan HK$25.40M · min. income ≈ HK$271,710/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,159,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,030
−HK$8,719/mo
▼ 0.25% · 3.875%
HK$143,355
−HK$4,394/mo
Today · 4.125%
HK$147,749
baseline
▲ 0.50% · 4.625%
HK$156,739
+HK$8,990/mo
Deposit HK$20.32M · loan HK$30.49M · min. income ≈ HK$295,498/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,159,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,670
−HK$8,356/mo
▼ 0.25% · 3.875%
HK$158,818
−HK$4,208/mo
Today · 4.125%
HK$163,026
baseline
▲ 0.50% · 4.625%
HK$171,620
+HK$8,594/mo
Deposit HK$20.32M · loan HK$30.49M · min. income ≈ HK$326,052/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,159,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,202
−HK$10,172/mo
▼ 0.25% · 3.875%
HK$167,248
−HK$5,126/mo
Today · 4.125%
HK$172,374
baseline
▲ 0.50% · 4.625%
HK$182,862
+HK$10,488/mo
Deposit HK$15.24M · loan HK$35.57M · min. income ≈ HK$344,748/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,159,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,448
−HK$9,749/mo
▼ 0.25% · 3.875%
HK$185,288
−HK$4,909/mo
Today · 4.125%
HK$190,197
baseline
▲ 0.50% · 4.625%
HK$200,223
+HK$10,026/mo
Deposit HK$15.24M · loan HK$35.57M · min. income ≈ HK$380,394/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,159,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,546
−HK$13,077/mo
▼ 0.25% · 3.875%
HK$215,033
−HK$6,590/mo
Today · 4.125%
HK$221,623
baseline
▲ 0.50% · 4.625%
HK$235,108
+HK$13,485/mo
Deposit HK$5.08M · loan HK$45.73M · min. income ≈ HK$443,246/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,159,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,005
−HK$12,534/mo
▼ 0.25% · 3.875%
HK$238,227
−HK$6,312/mo
Today · 4.125%
HK$244,539
baseline
▲ 0.50% · 4.625%
HK$257,429
+HK$12,890/mo
Deposit HK$5.08M · loan HK$45.73M · min. income ≈ HK$489,078/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,159,404 · Scale 2, in force from 26 Feb 2026)