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$116,672
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$120,301
−HK$3,688/mo
Today · 4.125%
HK$123,989
baseline
▲ 0.50% · 4.625%
HK$131,533
+HK$7,544/mo
Deposit HK$25.58M · loan HK$25.58M · min. income ≈ HK$247,978/mo (50% DSR)
Upfront cash ≈ HK$27.76M (deposit + AVD stamp duty HK$2,174,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,797
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,278
−HK$3,531/mo
Today · 4.125%
HK$136,809
baseline
▲ 0.50% · 4.625%
HK$144,021
+HK$7,212/mo
Deposit HK$25.58M · loan HK$25.58M · min. income ≈ HK$273,618/mo (50% DSR)
Upfront cash ≈ HK$27.76M (deposit + AVD stamp duty HK$2,174,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,007
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$144,362
−HK$4,424/mo
Today · 4.125%
HK$148,786
baseline
▲ 0.50% · 4.625%
HK$157,840
+HK$9,054/mo
Deposit HK$20.47M · loan HK$30.70M · min. income ≈ HK$297,572/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$2,174,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,756
−HK$8,415/mo
▼ 0.25% · 3.875%
HK$159,933
−HK$4,238/mo
Today · 4.125%
HK$164,171
baseline
▲ 0.50% · 4.625%
HK$172,825
+HK$8,654/mo
Deposit HK$20.47M · loan HK$30.70M · min. income ≈ HK$328,342/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$2,174,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,341
−HK$10,243/mo
▼ 0.25% · 3.875%
HK$168,422
−HK$5,162/mo
Today · 4.125%
HK$173,584
baseline
▲ 0.50% · 4.625%
HK$184,146
+HK$10,562/mo
Deposit HK$15.35M · loan HK$35.82M · min. income ≈ HK$347,168/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$2,174,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,715
−HK$9,818/mo
▼ 0.25% · 3.875%
HK$186,589
−HK$4,944/mo
Today · 4.125%
HK$191,533
baseline
▲ 0.50% · 4.625%
HK$201,629
+HK$10,096/mo
Deposit HK$15.35M · loan HK$35.82M · min. income ≈ HK$383,066/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$2,174,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,010
−HK$13,170/mo
▼ 0.25% · 3.875%
HK$216,543
−HK$6,637/mo
Today · 4.125%
HK$223,180
baseline
▲ 0.50% · 4.625%
HK$236,759
+HK$13,579/mo
Deposit HK$5.12M · loan HK$46.05M · min. income ≈ HK$446,360/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,174,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,634
−HK$12,623/mo
▼ 0.25% · 3.875%
HK$239,900
−HK$6,357/mo
Today · 4.125%
HK$246,257
baseline
▲ 0.50% · 4.625%
HK$259,237
+HK$12,980/mo
Deposit HK$5.12M · loan HK$46.05M · min. income ≈ HK$492,514/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,174,568 · Scale 2, in force from 26 Feb 2026)