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$115,992
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,600
−HK$3,666/mo
Today · 4.125%
HK$123,266
baseline
▲ 0.50% · 4.625%
HK$130,766
+HK$7,500/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$246,532/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,161,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,040
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,501
−HK$3,510/mo
Today · 4.125%
HK$136,011
baseline
▲ 0.50% · 4.625%
HK$143,181
+HK$7,170/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$272,022/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,161,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,190
−HK$8,729/mo
▼ 0.25% · 3.875%
HK$143,520
−HK$4,399/mo
Today · 4.125%
HK$147,919
baseline
▲ 0.50% · 4.625%
HK$156,919
+HK$9,000/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$295,838/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,161,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,848
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$159,001
−HK$4,213/mo
Today · 4.125%
HK$163,214
baseline
▲ 0.50% · 4.625%
HK$171,817
+HK$8,603/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$326,428/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,161,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,389
−HK$10,183/mo
▼ 0.25% · 3.875%
HK$167,440
−HK$5,132/mo
Today · 4.125%
HK$172,572
baseline
▲ 0.50% · 4.625%
HK$183,072
+HK$10,500/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$345,144/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,656
−HK$9,760/mo
▼ 0.25% · 3.875%
HK$185,501
−HK$4,915/mo
Today · 4.125%
HK$190,416
baseline
▲ 0.50% · 4.625%
HK$200,453
+HK$10,037/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$380,832/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,785
−HK$13,093/mo
▼ 0.25% · 3.875%
HK$215,280
−HK$6,598/mo
Today · 4.125%
HK$221,878
baseline
▲ 0.50% · 4.625%
HK$235,379
+HK$13,501/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$443,756/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,272
−HK$12,549/mo
▼ 0.25% · 3.875%
HK$238,501
−HK$6,320/mo
Today · 4.125%
HK$244,821
baseline
▲ 0.50% · 4.625%
HK$257,725
+HK$12,904/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$489,642/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,887 · Scale 2, in force from 26 Feb 2026)