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$115,873
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$119,477
−HK$3,662/mo
Today · 4.125%
HK$123,139
baseline
▲ 0.50% · 4.625%
HK$130,632
+HK$7,493/mo
Deposit HK$25.41M · loan HK$25.41M · min. income ≈ HK$246,278/mo (50% DSR)
Upfront cash ≈ HK$27.57M (deposit + AVD stamp duty HK$2,159,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,907
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$132,364
−HK$3,508/mo
Today · 4.125%
HK$135,872
baseline
▲ 0.50% · 4.625%
HK$143,034
+HK$7,162/mo
Deposit HK$25.41M · loan HK$25.41M · min. income ≈ HK$271,744/mo (50% DSR)
Upfront cash ≈ HK$27.57M (deposit + AVD stamp duty HK$2,159,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,047
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$143,372
−HK$4,395/mo
Today · 4.125%
HK$147,767
baseline
▲ 0.50% · 4.625%
HK$156,758
+HK$8,991/mo
Deposit HK$20.33M · loan HK$30.49M · min. income ≈ HK$295,534/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$2,159,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,689
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$158,837
−HK$4,209/mo
Today · 4.125%
HK$163,046
baseline
▲ 0.50% · 4.625%
HK$171,640
+HK$8,594/mo
Deposit HK$20.33M · loan HK$30.49M · min. income ≈ HK$326,092/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$2,159,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,222
−HK$10,172/mo
▼ 0.25% · 3.875%
HK$167,268
−HK$5,126/mo
Today · 4.125%
HK$172,394
baseline
▲ 0.50% · 4.625%
HK$182,884
+HK$10,490/mo
Deposit HK$15.24M · loan HK$35.57M · min. income ≈ HK$344,788/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,159,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,470
−HK$9,750/mo
▼ 0.25% · 3.875%
HK$185,310
−HK$4,910/mo
Today · 4.125%
HK$190,220
baseline
▲ 0.50% · 4.625%
HK$200,247
+HK$10,027/mo
Deposit HK$15.24M · loan HK$35.57M · min. income ≈ HK$380,440/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$2,159,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,571
−HK$13,079/mo
▼ 0.25% · 3.875%
HK$215,059
−HK$6,591/mo
Today · 4.125%
HK$221,650
baseline
▲ 0.50% · 4.625%
HK$235,137
+HK$13,487/mo
Deposit HK$5.08M · loan HK$45.73M · min. income ≈ HK$443,300/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,159,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,033
−HK$12,536/mo
▼ 0.25% · 3.875%
HK$238,256
−HK$6,313/mo
Today · 4.125%
HK$244,569
baseline
▲ 0.50% · 4.625%
HK$257,460
+HK$12,891/mo
Deposit HK$5.08M · loan HK$45.73M · min. income ≈ HK$489,138/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,159,664 · Scale 2, in force from 26 Feb 2026)