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$116,872
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$120,507
−HK$3,694/mo
Today · 4.125%
HK$124,201
baseline
▲ 0.50% · 4.625%
HK$131,758
+HK$7,557/mo
Deposit HK$25.63M · loan HK$25.63M · min. income ≈ HK$248,402/mo (50% DSR)
Upfront cash ≈ HK$27.81M (deposit + AVD stamp duty HK$2,178,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,019
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$133,506
−HK$3,537/mo
Today · 4.125%
HK$137,043
baseline
▲ 0.50% · 4.625%
HK$144,267
+HK$7,224/mo
Deposit HK$25.63M · loan HK$25.63M · min. income ≈ HK$274,086/mo (50% DSR)
Upfront cash ≈ HK$27.81M (deposit + AVD stamp duty HK$2,178,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,246
−HK$8,795/mo
▼ 0.25% · 3.875%
HK$144,609
−HK$4,432/mo
Today · 4.125%
HK$149,041
baseline
▲ 0.50% · 4.625%
HK$158,109
+HK$9,068/mo
Deposit HK$20.50M · loan HK$30.75M · min. income ≈ HK$298,082/mo (50% DSR)
Upfront cash ≈ HK$22.68M (deposit + AVD stamp duty HK$2,178,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,022
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$160,207
−HK$4,245/mo
Today · 4.125%
HK$164,452
baseline
▲ 0.50% · 4.625%
HK$173,120
+HK$8,668/mo
Deposit HK$20.50M · loan HK$30.75M · min. income ≈ HK$328,904/mo (50% DSR)
Upfront cash ≈ HK$22.68M (deposit + AVD stamp duty HK$2,178,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,620
−HK$10,261/mo
▼ 0.25% · 3.875%
HK$168,710
−HK$5,171/mo
Today · 4.125%
HK$173,881
baseline
▲ 0.50% · 4.625%
HK$184,461
+HK$10,580/mo
Deposit HK$15.38M · loan HK$35.88M · min. income ≈ HK$347,762/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$2,178,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,026
−HK$9,834/mo
▼ 0.25% · 3.875%
HK$186,908
−HK$4,952/mo
Today · 4.125%
HK$191,860
baseline
▲ 0.50% · 4.625%
HK$201,974
+HK$10,114/mo
Deposit HK$15.38M · loan HK$35.88M · min. income ≈ HK$383,720/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$2,178,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,369
−HK$13,192/mo
▼ 0.25% · 3.875%
HK$216,913
−HK$6,648/mo
Today · 4.125%
HK$223,561
baseline
▲ 0.50% · 4.625%
HK$237,164
+HK$13,603/mo
Deposit HK$5.13M · loan HK$46.13M · min. income ≈ HK$447,122/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,178,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,033
−HK$12,645/mo
▼ 0.25% · 3.875%
HK$240,310
−HK$6,368/mo
Today · 4.125%
HK$246,678
baseline
▲ 0.50% · 4.625%
HK$259,680
+HK$13,002/mo
Deposit HK$5.13M · loan HK$46.13M · min. income ≈ HK$493,356/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,178,285 · Scale 2, in force from 26 Feb 2026)