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$116,008
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,616
−HK$3,666/mo
Today · 4.125%
HK$123,282
baseline
▲ 0.50% · 4.625%
HK$130,784
+HK$7,502/mo
Deposit HK$25.44M · loan HK$25.44M · min. income ≈ HK$246,564/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,162,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,057
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$132,519
−HK$3,511/mo
Today · 4.125%
HK$136,030
baseline
▲ 0.50% · 4.625%
HK$143,200
+HK$7,170/mo
Deposit HK$25.44M · loan HK$25.44M · min. income ≈ HK$272,060/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,162,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,209
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$143,539
−HK$4,400/mo
Today · 4.125%
HK$147,939
baseline
▲ 0.50% · 4.625%
HK$156,941
+HK$9,002/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$295,878/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,162,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,869
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$159,022
−HK$4,214/mo
Today · 4.125%
HK$163,236
baseline
▲ 0.50% · 4.625%
HK$171,840
+HK$8,604/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$326,472/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,162,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,411
−HK$10,184/mo
▼ 0.25% · 3.875%
HK$167,463
−HK$5,132/mo
Today · 4.125%
HK$172,595
baseline
▲ 0.50% · 4.625%
HK$183,097
+HK$10,502/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$345,190/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,162,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,680
−HK$9,762/mo
▼ 0.25% · 3.875%
HK$185,526
−HK$4,916/mo
Today · 4.125%
HK$190,442
baseline
▲ 0.50% · 4.625%
HK$200,480
+HK$10,038/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$380,884/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,162,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,814
−HK$13,094/mo
▼ 0.25% · 3.875%
HK$215,309
−HK$6,599/mo
Today · 4.125%
HK$221,908
baseline
▲ 0.50% · 4.625%
HK$235,411
+HK$13,503/mo
Deposit HK$5.09M · loan HK$45.79M · min. income ≈ HK$443,816/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,162,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,303
−HK$12,551/mo
▼ 0.25% · 3.875%
HK$238,534
−HK$6,320/mo
Today · 4.125%
HK$244,854
baseline
▲ 0.50% · 4.625%
HK$257,761
+HK$12,907/mo
Deposit HK$5.09M · loan HK$45.79M · min. income ≈ HK$489,708/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,162,182 · Scale 2, in force from 26 Feb 2026)