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$115,978
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$119,586
−HK$3,665/mo
Today · 4.125%
HK$123,251
baseline
▲ 0.50% · 4.625%
HK$130,750
+HK$7,499/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$246,502/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,024
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,485
−HK$3,510/mo
Today · 4.125%
HK$135,995
baseline
▲ 0.50% · 4.625%
HK$143,164
+HK$7,169/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$271,990/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,174
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$143,503
−HK$4,398/mo
Today · 4.125%
HK$147,901
baseline
▲ 0.50% · 4.625%
HK$156,901
+HK$9,000/mo
Deposit HK$20.34M · loan HK$30.52M · min. income ≈ HK$295,802/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,161,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,829
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$158,982
−HK$4,212/mo
Today · 4.125%
HK$163,194
baseline
▲ 0.50% · 4.625%
HK$171,796
+HK$8,602/mo
Deposit HK$20.34M · loan HK$30.52M · min. income ≈ HK$326,388/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,161,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,369
−HK$10,182/mo
▼ 0.25% · 3.875%
HK$167,420
−HK$5,131/mo
Today · 4.125%
HK$172,551
baseline
▲ 0.50% · 4.625%
HK$183,051
+HK$10,500/mo
Deposit HK$15.26M · loan HK$35.60M · min. income ≈ HK$345,102/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,634
−HK$9,759/mo
▼ 0.25% · 3.875%
HK$185,479
−HK$4,914/mo
Today · 4.125%
HK$190,393
baseline
▲ 0.50% · 4.625%
HK$200,429
+HK$10,036/mo
Deposit HK$15.26M · loan HK$35.60M · min. income ≈ HK$380,786/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,761
−HK$13,091/mo
▼ 0.25% · 3.875%
HK$215,254
−HK$6,598/mo
Today · 4.125%
HK$221,852
baseline
▲ 0.50% · 4.625%
HK$235,351
+HK$13,499/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$443,704/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,244
−HK$12,547/mo
▼ 0.25% · 3.875%
HK$238,473
−HK$6,318/mo
Today · 4.125%
HK$244,791
baseline
▲ 0.50% · 4.625%
HK$257,695
+HK$12,904/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$489,582/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,629 · Scale 2, in force from 26 Feb 2026)