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$115,867
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$119,471
−HK$3,662/mo
Today · 4.125%
HK$123,133
baseline
▲ 0.50% · 4.625%
HK$130,626
+HK$7,493/mo
Deposit HK$25.41M · loan HK$25.41M · min. income ≈ HK$246,266/mo (50% DSR)
Upfront cash ≈ HK$27.57M (deposit + AVD stamp duty HK$2,159,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,901
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$132,358
−HK$3,507/mo
Today · 4.125%
HK$135,865
baseline
▲ 0.50% · 4.625%
HK$143,027
+HK$7,162/mo
Deposit HK$25.41M · loan HK$25.41M · min. income ≈ HK$271,730/mo (50% DSR)
Upfront cash ≈ HK$27.57M (deposit + AVD stamp duty HK$2,159,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,041
−HK$8,719/mo
▼ 0.25% · 3.875%
HK$143,366
−HK$4,394/mo
Today · 4.125%
HK$147,760
baseline
▲ 0.50% · 4.625%
HK$156,751
+HK$8,991/mo
Deposit HK$20.33M · loan HK$30.49M · min. income ≈ HK$295,520/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,159,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,682
−HK$8,356/mo
▼ 0.25% · 3.875%
HK$158,830
−HK$4,208/mo
Today · 4.125%
HK$163,038
baseline
▲ 0.50% · 4.625%
HK$171,632
+HK$8,594/mo
Deposit HK$20.33M · loan HK$30.49M · min. income ≈ HK$326,076/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$2,159,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,214
−HK$10,173/mo
▼ 0.25% · 3.875%
HK$167,260
−HK$5,127/mo
Today · 4.125%
HK$172,387
baseline
▲ 0.50% · 4.625%
HK$182,876
+HK$10,489/mo
Deposit HK$15.24M · loan HK$35.57M · min. income ≈ HK$344,774/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,159,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,462
−HK$9,750/mo
▼ 0.25% · 3.875%
HK$185,302
−HK$4,910/mo
Today · 4.125%
HK$190,212
baseline
▲ 0.50% · 4.625%
HK$200,238
+HK$10,026/mo
Deposit HK$15.24M · loan HK$35.57M · min. income ≈ HK$380,424/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,159,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,561
−HK$13,079/mo
▼ 0.25% · 3.875%
HK$215,049
−HK$6,591/mo
Today · 4.125%
HK$221,640
baseline
▲ 0.50% · 4.625%
HK$235,126
+HK$13,486/mo
Deposit HK$5.08M · loan HK$45.73M · min. income ≈ HK$443,280/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,159,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,022
−HK$12,536/mo
▼ 0.25% · 3.875%
HK$238,245
−HK$6,313/mo
Today · 4.125%
HK$244,558
baseline
▲ 0.50% · 4.625%
HK$257,449
+HK$12,891/mo
Deposit HK$5.08M · loan HK$45.73M · min. income ≈ HK$489,116/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,159,566 · Scale 2, in force from 26 Feb 2026)