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$115,623
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,219
−HK$3,654/mo
Today · 4.125%
HK$122,873
baseline
▲ 0.50% · 4.625%
HK$130,350
+HK$7,477/mo
Deposit HK$25.35M · loan HK$25.35M · min. income ≈ HK$245,746/mo (50% DSR)
Upfront cash ≈ HK$27.51M (deposit + AVD stamp duty HK$2,155,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,629
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,079
−HK$3,499/mo
Today · 4.125%
HK$135,578
baseline
▲ 0.50% · 4.625%
HK$142,725
+HK$7,147/mo
Deposit HK$25.35M · loan HK$25.35M · min. income ≈ HK$271,156/mo (50% DSR)
Upfront cash ≈ HK$27.51M (deposit + AVD stamp duty HK$2,155,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,747
−HK$8,701/mo
▼ 0.25% · 3.875%
HK$143,063
−HK$4,385/mo
Today · 4.125%
HK$147,448
baseline
▲ 0.50% · 4.625%
HK$156,420
+HK$8,972/mo
Deposit HK$20.28M · loan HK$30.42M · min. income ≈ HK$294,896/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$2,155,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,355
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$158,494
−HK$4,200/mo
Today · 4.125%
HK$162,694
baseline
▲ 0.50% · 4.625%
HK$171,270
+HK$8,576/mo
Deposit HK$20.28M · loan HK$30.42M · min. income ≈ HK$325,388/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$2,155,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,872
−HK$10,150/mo
▼ 0.25% · 3.875%
HK$166,907
−HK$5,115/mo
Today · 4.125%
HK$172,022
baseline
▲ 0.50% · 4.625%
HK$182,490
+HK$10,468/mo
Deposit HK$15.21M · loan HK$35.49M · min. income ≈ HK$344,044/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$2,155,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,081
−HK$9,729/mo
▼ 0.25% · 3.875%
HK$184,910
−HK$4,900/mo
Today · 4.125%
HK$189,810
baseline
▲ 0.50% · 4.625%
HK$199,815
+HK$10,005/mo
Deposit HK$15.21M · loan HK$35.49M · min. income ≈ HK$379,620/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$2,155,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,121
−HK$13,051/mo
▼ 0.25% · 3.875%
HK$214,594
−HK$6,578/mo
Today · 4.125%
HK$221,172
baseline
▲ 0.50% · 4.625%
HK$234,629
+HK$13,457/mo
Deposit HK$5.07M · loan HK$45.64M · min. income ≈ HK$442,344/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,155,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,532
−HK$12,509/mo
▼ 0.25% · 3.875%
HK$237,742
−HK$6,299/mo
Today · 4.125%
HK$244,041
baseline
▲ 0.50% · 4.625%
HK$256,905
+HK$12,864/mo
Deposit HK$5.07M · loan HK$45.64M · min. income ≈ HK$488,082/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$2,155,003 · Scale 2, in force from 26 Feb 2026)