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$116,415
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$120,037
−HK$3,679/mo
Today · 4.125%
HK$123,716
baseline
▲ 0.50% · 4.625%
HK$131,243
+HK$7,527/mo
Deposit HK$25.53M · loan HK$25.53M · min. income ≈ HK$247,432/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,169,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,511
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$132,984
−HK$3,524/mo
Today · 4.125%
HK$136,508
baseline
▲ 0.50% · 4.625%
HK$143,704
+HK$7,196/mo
Deposit HK$25.53M · loan HK$25.53M · min. income ≈ HK$273,016/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,169,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,698
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$144,044
−HK$4,415/mo
Today · 4.125%
HK$148,459
baseline
▲ 0.50% · 4.625%
HK$157,492
+HK$9,033/mo
Deposit HK$20.42M · loan HK$30.63M · min. income ≈ HK$296,918/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$2,169,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,413
−HK$8,397/mo
▼ 0.25% · 3.875%
HK$159,581
−HK$4,229/mo
Today · 4.125%
HK$163,810
baseline
▲ 0.50% · 4.625%
HK$172,444
+HK$8,634/mo
Deposit HK$20.42M · loan HK$30.63M · min. income ≈ HK$327,620/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$2,169,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,982
−HK$10,220/mo
▼ 0.25% · 3.875%
HK$168,051
−HK$5,151/mo
Today · 4.125%
HK$173,202
baseline
▲ 0.50% · 4.625%
HK$183,741
+HK$10,539/mo
Deposit HK$15.32M · loan HK$35.74M · min. income ≈ HK$346,404/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$2,169,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,315
−HK$9,796/mo
▼ 0.25% · 3.875%
HK$186,178
−HK$4,933/mo
Today · 4.125%
HK$191,111
baseline
▲ 0.50% · 4.625%
HK$201,185
+HK$10,074/mo
Deposit HK$15.32M · loan HK$35.74M · min. income ≈ HK$382,222/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$2,169,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,548
−HK$13,140/mo
▼ 0.25% · 3.875%
HK$216,066
−HK$6,622/mo
Today · 4.125%
HK$222,688
baseline
▲ 0.50% · 4.625%
HK$236,238
+HK$13,550/mo
Deposit HK$5.11M · loan HK$45.95M · min. income ≈ HK$445,376/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,169,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,120
−HK$12,594/mo
▼ 0.25% · 3.875%
HK$239,372
−HK$6,342/mo
Today · 4.125%
HK$245,714
baseline
▲ 0.50% · 4.625%
HK$258,666
+HK$12,952/mo
Deposit HK$5.11M · loan HK$45.95M · min. income ≈ HK$491,428/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,169,780 · Scale 2, in force from 26 Feb 2026)