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$116,959
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$120,597
−HK$3,696/mo
Today · 4.125%
HK$124,293
baseline
▲ 0.50% · 4.625%
HK$131,856
+HK$7,563/mo
Deposit HK$25.65M · loan HK$25.65M · min. income ≈ HK$248,586/mo (50% DSR)
Upfront cash ≈ HK$27.83M (deposit + AVD stamp duty HK$2,179,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,115
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$133,605
−HK$3,540/mo
Today · 4.125%
HK$137,145
baseline
▲ 0.50% · 4.625%
HK$144,374
+HK$7,229/mo
Deposit HK$25.65M · loan HK$25.65M · min. income ≈ HK$274,290/mo (50% DSR)
Upfront cash ≈ HK$27.83M (deposit + AVD stamp duty HK$2,179,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,350
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,716
−HK$4,436/mo
Today · 4.125%
HK$149,152
baseline
▲ 0.50% · 4.625%
HK$158,227
+HK$9,075/mo
Deposit HK$20.52M · loan HK$30.78M · min. income ≈ HK$298,304/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$2,179,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,138
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$160,326
−HK$4,248/mo
Today · 4.125%
HK$164,574
baseline
▲ 0.50% · 4.625%
HK$173,249
+HK$8,675/mo
Deposit HK$20.52M · loan HK$30.78M · min. income ≈ HK$329,148/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$2,179,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,742
−HK$10,268/mo
▼ 0.25% · 3.875%
HK$168,835
−HK$5,175/mo
Today · 4.125%
HK$174,010
baseline
▲ 0.50% · 4.625%
HK$184,598
+HK$10,588/mo
Deposit HK$15.39M · loan HK$35.90M · min. income ≈ HK$348,020/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$2,179,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,161
−HK$9,842/mo
▼ 0.25% · 3.875%
HK$187,047
−HK$4,956/mo
Today · 4.125%
HK$192,003
baseline
▲ 0.50% · 4.625%
HK$202,124
+HK$10,121/mo
Deposit HK$15.39M · loan HK$35.90M · min. income ≈ HK$384,006/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$2,179,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,526
−HK$13,201/mo
▼ 0.25% · 3.875%
HK$217,074
−HK$6,653/mo
Today · 4.125%
HK$223,727
baseline
▲ 0.50% · 4.625%
HK$237,341
+HK$13,614/mo
Deposit HK$5.13M · loan HK$46.16M · min. income ≈ HK$447,454/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,179,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,208
−HK$12,653/mo
▼ 0.25% · 3.875%
HK$240,489
−HK$6,372/mo
Today · 4.125%
HK$246,861
baseline
▲ 0.50% · 4.625%
HK$259,873
+HK$13,012/mo
Deposit HK$5.13M · loan HK$46.16M · min. income ≈ HK$493,722/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,179,905 · Scale 2, in force from 26 Feb 2026)