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$117,364
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,015
−HK$3,709/mo
Today · 4.125%
HK$124,724
baseline
▲ 0.50% · 4.625%
HK$132,313
+HK$7,589/mo
Deposit HK$25.73M · loan HK$25.73M · min. income ≈ HK$249,448/mo (50% DSR)
Upfront cash ≈ HK$27.92M (deposit + AVD stamp duty HK$2,187,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,566
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$134,068
−HK$3,553/mo
Today · 4.125%
HK$137,621
baseline
▲ 0.50% · 4.625%
HK$144,875
+HK$7,254/mo
Deposit HK$25.73M · loan HK$25.73M · min. income ≈ HK$275,242/mo (50% DSR)
Upfront cash ≈ HK$27.92M (deposit + AVD stamp duty HK$2,187,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,837
−HK$8,832/mo
▼ 0.25% · 3.875%
HK$145,218
−HK$4,451/mo
Today · 4.125%
HK$149,669
baseline
▲ 0.50% · 4.625%
HK$158,776
+HK$9,107/mo
Deposit HK$20.59M · loan HK$30.88M · min. income ≈ HK$299,338/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$2,187,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,680
−HK$8,465/mo
▼ 0.25% · 3.875%
HK$160,882
−HK$4,263/mo
Today · 4.125%
HK$165,145
baseline
▲ 0.50% · 4.625%
HK$173,850
+HK$8,705/mo
Deposit HK$20.59M · loan HK$30.88M · min. income ≈ HK$330,290/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$2,187,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,310
−HK$10,303/mo
▼ 0.25% · 3.875%
HK$169,421
−HK$5,192/mo
Today · 4.125%
HK$174,613
baseline
▲ 0.50% · 4.625%
HK$185,238
+HK$10,625/mo
Deposit HK$15.44M · loan HK$36.03M · min. income ≈ HK$349,226/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$2,187,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,793
−HK$9,876/mo
▼ 0.25% · 3.875%
HK$187,695
−HK$4,974/mo
Today · 4.125%
HK$192,669
baseline
▲ 0.50% · 4.625%
HK$202,825
+HK$10,156/mo
Deposit HK$15.44M · loan HK$36.03M · min. income ≈ HK$385,338/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$2,187,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,255
−HK$13,248/mo
▼ 0.25% · 3.875%
HK$217,827
−HK$6,676/mo
Today · 4.125%
HK$224,503
baseline
▲ 0.50% · 4.625%
HK$238,164
+HK$13,661/mo
Deposit HK$5.15M · loan HK$46.32M · min. income ≈ HK$449,006/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,187,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,020
−HK$12,697/mo
▼ 0.25% · 3.875%
HK$241,323
−HK$6,394/mo
Today · 4.125%
HK$247,717
baseline
▲ 0.50% · 4.625%
HK$260,774
+HK$13,057/mo
Deposit HK$5.15M · loan HK$46.32M · min. income ≈ HK$495,434/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,187,463 · Scale 2, in force from 26 Feb 2026)