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$115,700
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,299
−HK$3,657/mo
Today · 4.125%
HK$122,956
baseline
▲ 0.50% · 4.625%
HK$130,437
+HK$7,481/mo
Deposit HK$25.37M · loan HK$25.37M · min. income ≈ HK$245,912/mo (50% DSR)
Upfront cash ≈ HK$27.53M (deposit + AVD stamp duty HK$2,156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,715
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$132,167
−HK$3,502/mo
Today · 4.125%
HK$135,669
baseline
▲ 0.50% · 4.625%
HK$142,821
+HK$7,152/mo
Deposit HK$25.37M · loan HK$25.37M · min. income ≈ HK$271,338/mo (50% DSR)
Upfront cash ≈ HK$27.53M (deposit + AVD stamp duty HK$2,156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,840
−HK$8,707/mo
▼ 0.25% · 3.875%
HK$143,159
−HK$4,388/mo
Today · 4.125%
HK$147,547
baseline
▲ 0.50% · 4.625%
HK$156,525
+HK$8,978/mo
Deposit HK$20.30M · loan HK$30.44M · min. income ≈ HK$295,094/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,458
−HK$8,345/mo
▼ 0.25% · 3.875%
HK$158,601
−HK$4,202/mo
Today · 4.125%
HK$162,803
baseline
▲ 0.50% · 4.625%
HK$171,385
+HK$8,582/mo
Deposit HK$20.30M · loan HK$30.44M · min. income ≈ HK$325,606/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,980
−HK$10,158/mo
▼ 0.25% · 3.875%
HK$167,019
−HK$5,119/mo
Today · 4.125%
HK$172,138
baseline
▲ 0.50% · 4.625%
HK$182,612
+HK$10,474/mo
Deposit HK$15.22M · loan HK$35.52M · min. income ≈ HK$344,276/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$2,156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,201
−HK$9,736/mo
▼ 0.25% · 3.875%
HK$185,034
−HK$4,903/mo
Today · 4.125%
HK$189,937
baseline
▲ 0.50% · 4.625%
HK$199,949
+HK$10,012/mo
Deposit HK$15.22M · loan HK$35.52M · min. income ≈ HK$379,874/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$2,156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,260
−HK$13,060/mo
▼ 0.25% · 3.875%
HK$214,738
−HK$6,582/mo
Today · 4.125%
HK$221,320
baseline
▲ 0.50% · 4.625%
HK$234,787
+HK$13,467/mo
Deposit HK$5.07M · loan HK$45.67M · min. income ≈ HK$442,640/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,688
−HK$12,517/mo
▼ 0.25% · 3.875%
HK$237,901
−HK$6,304/mo
Today · 4.125%
HK$244,205
baseline
▲ 0.50% · 4.625%
HK$257,077
+HK$12,872/mo
Deposit HK$5.07M · loan HK$45.67M · min. income ≈ HK$488,410/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,156,450 · Scale 2, in force from 26 Feb 2026)