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$116,862
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,497
−HK$3,693/mo
Today · 4.125%
HK$124,190
baseline
▲ 0.50% · 4.625%
HK$131,747
+HK$7,557/mo
Deposit HK$25.62M · loan HK$25.62M · min. income ≈ HK$248,380/mo (50% DSR)
Upfront cash ≈ HK$27.80M (deposit + AVD stamp duty HK$2,178,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,008
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$133,494
−HK$3,538/mo
Today · 4.125%
HK$137,032
baseline
▲ 0.50% · 4.625%
HK$144,255
+HK$7,223/mo
Deposit HK$25.62M · loan HK$25.62M · min. income ≈ HK$274,064/mo (50% DSR)
Upfront cash ≈ HK$27.80M (deposit + AVD stamp duty HK$2,178,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,234
−HK$8,794/mo
▼ 0.25% · 3.875%
HK$144,596
−HK$4,432/mo
Today · 4.125%
HK$149,028
baseline
▲ 0.50% · 4.625%
HK$158,096
+HK$9,068/mo
Deposit HK$20.50M · loan HK$30.75M · min. income ≈ HK$298,056/mo (50% DSR)
Upfront cash ≈ HK$22.68M (deposit + AVD stamp duty HK$2,178,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,009
−HK$8,429/mo
▼ 0.25% · 3.875%
HK$160,193
−HK$4,245/mo
Today · 4.125%
HK$164,438
baseline
▲ 0.50% · 4.625%
HK$173,106
+HK$8,668/mo
Deposit HK$20.50M · loan HK$30.75M · min. income ≈ HK$328,876/mo (50% DSR)
Upfront cash ≈ HK$22.68M (deposit + AVD stamp duty HK$2,178,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,607
−HK$10,259/mo
▼ 0.25% · 3.875%
HK$168,696
−HK$5,170/mo
Today · 4.125%
HK$173,866
baseline
▲ 0.50% · 4.625%
HK$184,446
+HK$10,580/mo
Deposit HK$15.37M · loan HK$35.87M · min. income ≈ HK$347,732/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$2,178,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,011
−HK$9,833/mo
▼ 0.25% · 3.875%
HK$186,892
−HK$4,952/mo
Today · 4.125%
HK$191,844
baseline
▲ 0.50% · 4.625%
HK$201,957
+HK$10,113/mo
Deposit HK$15.37M · loan HK$35.87M · min. income ≈ HK$383,688/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$2,178,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,351
−HK$13,191/mo
▼ 0.25% · 3.875%
HK$216,895
−HK$6,647/mo
Today · 4.125%
HK$223,542
baseline
▲ 0.50% · 4.625%
HK$237,144
+HK$13,602/mo
Deposit HK$5.12M · loan HK$46.12M · min. income ≈ HK$447,084/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,178,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,014
−HK$12,643/mo
▼ 0.25% · 3.875%
HK$240,290
−HK$6,367/mo
Today · 4.125%
HK$246,657
baseline
▲ 0.50% · 4.625%
HK$259,658
+HK$13,001/mo
Deposit HK$5.12M · loan HK$46.12M · min. income ≈ HK$493,314/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,178,102 · Scale 2, in force from 26 Feb 2026)