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$116,821
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$120,455
−HK$3,692/mo
Today · 4.125%
HK$124,147
baseline
▲ 0.50% · 4.625%
HK$131,701
+HK$7,554/mo
Deposit HK$25.62M · loan HK$25.62M · min. income ≈ HK$248,294/mo (50% DSR)
Upfront cash ≈ HK$27.79M (deposit + AVD stamp duty HK$2,177,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,962
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$133,448
−HK$3,536/mo
Today · 4.125%
HK$136,984
baseline
▲ 0.50% · 4.625%
HK$144,204
+HK$7,220/mo
Deposit HK$25.62M · loan HK$25.62M · min. income ≈ HK$273,968/mo (50% DSR)
Upfront cash ≈ HK$27.79M (deposit + AVD stamp duty HK$2,177,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,185
−HK$8,791/mo
▼ 0.25% · 3.875%
HK$144,546
−HK$4,430/mo
Today · 4.125%
HK$148,976
baseline
▲ 0.50% · 4.625%
HK$158,041
+HK$9,065/mo
Deposit HK$20.49M · loan HK$30.74M · min. income ≈ HK$297,952/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$2,177,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,955
−HK$8,426/mo
▼ 0.25% · 3.875%
HK$160,137
−HK$4,244/mo
Today · 4.125%
HK$164,381
baseline
▲ 0.50% · 4.625%
HK$173,045
+HK$8,664/mo
Deposit HK$20.49M · loan HK$30.74M · min. income ≈ HK$328,762/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$2,177,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,550
−HK$10,256/mo
▼ 0.25% · 3.875%
HK$168,637
−HK$5,169/mo
Today · 4.125%
HK$173,806
baseline
▲ 0.50% · 4.625%
HK$184,381
+HK$10,575/mo
Deposit HK$15.37M · loan HK$35.86M · min. income ≈ HK$347,612/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$2,177,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,947
−HK$9,830/mo
▼ 0.25% · 3.875%
HK$186,827
−HK$4,950/mo
Today · 4.125%
HK$191,777
baseline
▲ 0.50% · 4.625%
HK$201,886
+HK$10,109/mo
Deposit HK$15.37M · loan HK$35.86M · min. income ≈ HK$383,554/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$2,177,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,278
−HK$13,186/mo
▼ 0.25% · 3.875%
HK$216,819
−HK$6,645/mo
Today · 4.125%
HK$223,464
baseline
▲ 0.50% · 4.625%
HK$237,062
+HK$13,598/mo
Deposit HK$5.12M · loan HK$46.11M · min. income ≈ HK$446,928/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,177,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,932
−HK$12,639/mo
▼ 0.25% · 3.875%
HK$240,206
−HK$6,365/mo
Today · 4.125%
HK$246,571
baseline
▲ 0.50% · 4.625%
HK$259,568
+HK$12,997/mo
Deposit HK$5.12M · loan HK$46.11M · min. income ≈ HK$493,142/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,177,342 · Scale 2, in force from 26 Feb 2026)