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$116,358
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$119,977
−HK$3,678/mo
Today · 4.125%
HK$123,655
baseline
▲ 0.50% · 4.625%
HK$131,179
+HK$7,524/mo
Deposit HK$25.51M · loan HK$25.51M · min. income ≈ HK$247,310/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,168,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,447
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,919
−HK$3,522/mo
Today · 4.125%
HK$136,441
baseline
▲ 0.50% · 4.625%
HK$143,633
+HK$7,192/mo
Deposit HK$25.51M · loan HK$25.51M · min. income ≈ HK$272,882/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,168,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,630
−HK$8,756/mo
▼ 0.25% · 3.875%
HK$143,973
−HK$4,413/mo
Today · 4.125%
HK$148,386
baseline
▲ 0.50% · 4.625%
HK$157,415
+HK$9,029/mo
Deposit HK$20.41M · loan HK$30.62M · min. income ≈ HK$296,772/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,168,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,337
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$159,503
−HK$4,226/mo
Today · 4.125%
HK$163,729
baseline
▲ 0.50% · 4.625%
HK$172,359
+HK$8,630/mo
Deposit HK$20.41M · loan HK$30.62M · min. income ≈ HK$327,458/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,168,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,901
−HK$10,216/mo
▼ 0.25% · 3.875%
HK$167,968
−HK$5,149/mo
Today · 4.125%
HK$173,117
baseline
▲ 0.50% · 4.625%
HK$183,650
+HK$10,533/mo
Deposit HK$15.31M · loan HK$35.72M · min. income ≈ HK$346,234/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$2,168,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,226
−HK$9,791/mo
▼ 0.25% · 3.875%
HK$186,086
−HK$4,931/mo
Today · 4.125%
HK$191,017
baseline
▲ 0.50% · 4.625%
HK$201,086
+HK$10,069/mo
Deposit HK$15.31M · loan HK$35.72M · min. income ≈ HK$382,034/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$2,168,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,445
−HK$13,134/mo
▼ 0.25% · 3.875%
HK$215,959
−HK$6,620/mo
Today · 4.125%
HK$222,579
baseline
▲ 0.50% · 4.625%
HK$236,122
+HK$13,543/mo
Deposit HK$5.10M · loan HK$45.93M · min. income ≈ HK$445,158/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,168,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,005
−HK$12,588/mo
▼ 0.25% · 3.875%
HK$239,254
−HK$6,339/mo
Today · 4.125%
HK$245,593
baseline
▲ 0.50% · 4.625%
HK$258,539
+HK$12,946/mo
Deposit HK$5.10M · loan HK$45.93M · min. income ≈ HK$491,186/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,168,712 · Scale 2, in force from 26 Feb 2026)