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$116,724
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$120,355
−HK$3,689/mo
Today · 4.125%
HK$124,044
baseline
▲ 0.50% · 4.625%
HK$131,592
+HK$7,548/mo
Deposit HK$25.59M · loan HK$25.59M · min. income ≈ HK$248,088/mo (50% DSR)
Upfront cash ≈ HK$27.77M (deposit + AVD stamp duty HK$2,175,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,855
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$133,337
−HK$3,533/mo
Today · 4.125%
HK$136,870
baseline
▲ 0.50% · 4.625%
HK$144,085
+HK$7,215/mo
Deposit HK$25.59M · loan HK$25.59M · min. income ≈ HK$273,740/mo (50% DSR)
Upfront cash ≈ HK$27.77M (deposit + AVD stamp duty HK$2,175,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,069
−HK$8,784/mo
▼ 0.25% · 3.875%
HK$144,426
−HK$4,427/mo
Today · 4.125%
HK$148,853
baseline
▲ 0.50% · 4.625%
HK$157,910
+HK$9,057/mo
Deposit HK$20.48M · loan HK$30.71M · min. income ≈ HK$297,706/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$2,175,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,826
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$160,005
−HK$4,239/mo
Today · 4.125%
HK$164,244
baseline
▲ 0.50% · 4.625%
HK$172,902
+HK$8,658/mo
Deposit HK$20.48M · loan HK$30.71M · min. income ≈ HK$328,488/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$2,175,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,414
−HK$10,248/mo
▼ 0.25% · 3.875%
HK$168,497
−HK$5,165/mo
Today · 4.125%
HK$173,662
baseline
▲ 0.50% · 4.625%
HK$184,229
+HK$10,567/mo
Deposit HK$15.36M · loan HK$35.83M · min. income ≈ HK$347,324/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$2,175,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,797
−HK$9,821/mo
▼ 0.25% · 3.875%
HK$186,672
−HK$4,946/mo
Today · 4.125%
HK$191,618
baseline
▲ 0.50% · 4.625%
HK$201,719
+HK$10,101/mo
Deposit HK$15.36M · loan HK$35.83M · min. income ≈ HK$383,236/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$2,175,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,104
−HK$13,175/mo
▼ 0.25% · 3.875%
HK$216,639
−HK$6,640/mo
Today · 4.125%
HK$223,279
baseline
▲ 0.50% · 4.625%
HK$236,865
+HK$13,586/mo
Deposit HK$5.12M · loan HK$46.07M · min. income ≈ HK$446,558/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,175,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,738
−HK$12,629/mo
▼ 0.25% · 3.875%
HK$240,007
−HK$6,360/mo
Today · 4.125%
HK$246,367
baseline
▲ 0.50% · 4.625%
HK$259,353
+HK$12,986/mo
Deposit HK$5.12M · loan HK$46.07M · min. income ≈ HK$492,734/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,175,539 · Scale 2, in force from 26 Feb 2026)