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$115,668
−HK$7,253/mo
▼ 0.25% · 3.875%
HK$119,266
−HK$3,655/mo
Today · 4.125%
HK$122,921
baseline
▲ 0.50% · 4.625%
HK$130,401
+HK$7,480/mo
Deposit HK$25.36M · loan HK$25.36M · min. income ≈ HK$245,842/mo (50% DSR)
Upfront cash ≈ HK$27.52M (deposit + AVD stamp duty HK$2,155,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,679
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$132,130
−HK$3,501/mo
Today · 4.125%
HK$135,631
baseline
▲ 0.50% · 4.625%
HK$142,781
+HK$7,150/mo
Deposit HK$25.36M · loan HK$25.36M · min. income ≈ HK$271,262/mo (50% DSR)
Upfront cash ≈ HK$27.52M (deposit + AVD stamp duty HK$2,155,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,801
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$143,119
−HK$4,387/mo
Today · 4.125%
HK$147,506
baseline
▲ 0.50% · 4.625%
HK$156,481
+HK$8,975/mo
Deposit HK$20.29M · loan HK$30.44M · min. income ≈ HK$295,012/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,155,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,415
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$158,557
−HK$4,201/mo
Today · 4.125%
HK$162,758
baseline
▲ 0.50% · 4.625%
HK$171,337
+HK$8,579/mo
Deposit HK$20.29M · loan HK$30.44M · min. income ≈ HK$325,516/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,155,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,935
−HK$10,155/mo
▼ 0.25% · 3.875%
HK$166,972
−HK$5,118/mo
Today · 4.125%
HK$172,090
baseline
▲ 0.50% · 4.625%
HK$182,561
+HK$10,471/mo
Deposit HK$15.22M · loan HK$35.51M · min. income ≈ HK$344,180/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$2,155,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,151
−HK$9,733/mo
▼ 0.25% · 3.875%
HK$184,983
−HK$4,901/mo
Today · 4.125%
HK$189,884
baseline
▲ 0.50% · 4.625%
HK$199,893
+HK$10,009/mo
Deposit HK$15.22M · loan HK$35.51M · min. income ≈ HK$379,768/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$2,155,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,202
−HK$13,056/mo
▼ 0.25% · 3.875%
HK$214,678
−HK$6,580/mo
Today · 4.125%
HK$221,258
baseline
▲ 0.50% · 4.625%
HK$234,721
+HK$13,463/mo
Deposit HK$5.07M · loan HK$45.65M · min. income ≈ HK$442,516/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,155,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,623
−HK$12,514/mo
▼ 0.25% · 3.875%
HK$237,835
−HK$6,302/mo
Today · 4.125%
HK$244,137
baseline
▲ 0.50% · 4.625%
HK$257,005
+HK$12,868/mo
Deposit HK$5.07M · loan HK$45.65M · min. income ≈ HK$488,274/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,155,848 · Scale 2, in force from 26 Feb 2026)