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$116,456
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$120,079
−HK$3,680/mo
Today · 4.125%
HK$123,759
baseline
▲ 0.50% · 4.625%
HK$131,290
+HK$7,531/mo
Deposit HK$25.54M · loan HK$25.54M · min. income ≈ HK$247,518/mo (50% DSR)
Upfront cash ≈ HK$27.71M (deposit + AVD stamp duty HK$2,170,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,556
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$133,031
−HK$3,525/mo
Today · 4.125%
HK$136,556
baseline
▲ 0.50% · 4.625%
HK$143,754
+HK$7,198/mo
Deposit HK$25.54M · loan HK$25.54M · min. income ≈ HK$273,112/mo (50% DSR)
Upfront cash ≈ HK$27.71M (deposit + AVD stamp duty HK$2,170,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,747
−HK$8,764/mo
▼ 0.25% · 3.875%
HK$144,094
−HK$4,417/mo
Today · 4.125%
HK$148,511
baseline
▲ 0.50% · 4.625%
HK$157,547
+HK$9,036/mo
Deposit HK$20.43M · loan HK$30.64M · min. income ≈ HK$297,022/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$2,170,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,468
−HK$8,399/mo
▼ 0.25% · 3.875%
HK$159,637
−HK$4,230/mo
Today · 4.125%
HK$163,867
baseline
▲ 0.50% · 4.625%
HK$172,505
+HK$8,638/mo
Deposit HK$20.43M · loan HK$30.64M · min. income ≈ HK$327,734/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$2,170,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,039
−HK$10,224/mo
▼ 0.25% · 3.875%
HK$168,110
−HK$5,153/mo
Today · 4.125%
HK$173,263
baseline
▲ 0.50% · 4.625%
HK$183,805
+HK$10,542/mo
Deposit HK$15.32M · loan HK$35.75M · min. income ≈ HK$346,526/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$2,170,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,379
−HK$9,799/mo
▼ 0.25% · 3.875%
HK$186,243
−HK$4,935/mo
Today · 4.125%
HK$191,178
baseline
▲ 0.50% · 4.625%
HK$201,256
+HK$10,078/mo
Deposit HK$15.32M · loan HK$35.75M · min. income ≈ HK$382,356/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$2,170,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,621
−HK$13,145/mo
▼ 0.25% · 3.875%
HK$216,142
−HK$6,624/mo
Today · 4.125%
HK$222,766
baseline
▲ 0.50% · 4.625%
HK$236,321
+HK$13,555/mo
Deposit HK$5.11M · loan HK$45.96M · min. income ≈ HK$445,532/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,170,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,201
−HK$12,600/mo
▼ 0.25% · 3.875%
HK$239,456
−HK$6,345/mo
Today · 4.125%
HK$245,801
baseline
▲ 0.50% · 4.625%
HK$258,757
+HK$12,956/mo
Deposit HK$5.11M · loan HK$45.96M · min. income ≈ HK$491,602/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,170,541 · Scale 2, in force from 26 Feb 2026)