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$115,648
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$119,246
−HK$3,654/mo
Today · 4.125%
HK$122,900
baseline
▲ 0.50% · 4.625%
HK$130,379
+HK$7,479/mo
Deposit HK$25.36M · loan HK$25.36M · min. income ≈ HK$245,800/mo (50% DSR)
Upfront cash ≈ HK$27.51M (deposit + AVD stamp duty HK$2,155,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,658
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$132,108
−HK$3,501/mo
Today · 4.125%
HK$135,609
baseline
▲ 0.50% · 4.625%
HK$142,757
+HK$7,148/mo
Deposit HK$25.36M · loan HK$25.36M · min. income ≈ HK$271,218/mo (50% DSR)
Upfront cash ≈ HK$27.51M (deposit + AVD stamp duty HK$2,155,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,778
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$143,095
−HK$4,386/mo
Today · 4.125%
HK$147,481
baseline
▲ 0.50% · 4.625%
HK$156,454
+HK$8,973/mo
Deposit HK$20.29M · loan HK$30.43M · min. income ≈ HK$294,962/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$2,155,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,389
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$158,530
−HK$4,200/mo
Today · 4.125%
HK$162,730
baseline
▲ 0.50% · 4.625%
HK$171,308
+HK$8,578/mo
Deposit HK$20.29M · loan HK$30.43M · min. income ≈ HK$325,460/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$2,155,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,908
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$166,944
−HK$5,117/mo
Today · 4.125%
HK$172,061
baseline
▲ 0.50% · 4.625%
HK$182,530
+HK$10,469/mo
Deposit HK$15.22M · loan HK$35.50M · min. income ≈ HK$344,122/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$2,155,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,121
−HK$9,731/mo
▼ 0.25% · 3.875%
HK$184,951
−HK$4,901/mo
Today · 4.125%
HK$189,852
baseline
▲ 0.50% · 4.625%
HK$199,859
+HK$10,007/mo
Deposit HK$15.22M · loan HK$35.50M · min. income ≈ HK$379,704/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$2,155,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,167
−HK$13,054/mo
▼ 0.25% · 3.875%
HK$214,642
−HK$6,579/mo
Today · 4.125%
HK$221,221
baseline
▲ 0.50% · 4.625%
HK$234,682
+HK$13,461/mo
Deposit HK$5.07M · loan HK$45.65M · min. income ≈ HK$442,442/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,155,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,584
−HK$12,511/mo
▼ 0.25% · 3.875%
HK$237,795
−HK$6,300/mo
Today · 4.125%
HK$244,095
baseline
▲ 0.50% · 4.625%
HK$256,962
+HK$12,867/mo
Deposit HK$5.07M · loan HK$45.65M · min. income ≈ HK$488,190/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,155,483 · Scale 2, in force from 26 Feb 2026)