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$115,585
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,180
−HK$3,653/mo
Today · 4.125%
HK$122,833
baseline
▲ 0.50% · 4.625%
HK$130,307
+HK$7,474/mo
Deposit HK$25.34M · loan HK$25.34M · min. income ≈ HK$245,666/mo (50% DSR)
Upfront cash ≈ HK$27.50M (deposit + AVD stamp duty HK$2,154,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,587
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,036
−HK$3,498/mo
Today · 4.125%
HK$135,534
baseline
▲ 0.50% · 4.625%
HK$142,678
+HK$7,144/mo
Deposit HK$25.34M · loan HK$25.34M · min. income ≈ HK$271,068/mo (50% DSR)
Upfront cash ≈ HK$27.50M (deposit + AVD stamp duty HK$2,154,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,702
−HK$8,698/mo
▼ 0.25% · 3.875%
HK$143,016
−HK$4,384/mo
Today · 4.125%
HK$147,400
baseline
▲ 0.50% · 4.625%
HK$156,368
+HK$8,968/mo
Deposit HK$20.28M · loan HK$30.41M · min. income ≈ HK$294,800/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$2,154,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,304
−HK$8,337/mo
▼ 0.25% · 3.875%
HK$158,443
−HK$4,198/mo
Today · 4.125%
HK$162,641
baseline
▲ 0.50% · 4.625%
HK$171,214
+HK$8,573/mo
Deposit HK$20.28M · loan HK$30.41M · min. income ≈ HK$325,282/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$2,154,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,819
−HK$10,147/mo
▼ 0.25% · 3.875%
HK$166,852
−HK$5,114/mo
Today · 4.125%
HK$171,966
baseline
▲ 0.50% · 4.625%
HK$182,430
+HK$10,464/mo
Deposit HK$15.21M · loan HK$35.48M · min. income ≈ HK$343,932/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$2,154,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,022
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$184,850
−HK$4,898/mo
Today · 4.125%
HK$189,748
baseline
▲ 0.50% · 4.625%
HK$199,750
+HK$10,002/mo
Deposit HK$15.21M · loan HK$35.48M · min. income ≈ HK$379,496/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$2,154,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,053
−HK$13,046/mo
▼ 0.25% · 3.875%
HK$214,524
−HK$6,575/mo
Today · 4.125%
HK$221,099
baseline
▲ 0.50% · 4.625%
HK$234,553
+HK$13,454/mo
Deposit HK$5.07M · loan HK$45.62M · min. income ≈ HK$442,198/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,154,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,456
−HK$12,505/mo
▼ 0.25% · 3.875%
HK$237,664
−HK$6,297/mo
Today · 4.125%
HK$243,961
baseline
▲ 0.50% · 4.625%
HK$256,821
+HK$12,860/mo
Deposit HK$5.07M · loan HK$45.62M · min. income ≈ HK$487,922/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,154,299 · Scale 2, in force from 26 Feb 2026)