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$117,289
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$120,937
−HK$3,707/mo
Today · 4.125%
HK$124,644
baseline
▲ 0.50% · 4.625%
HK$132,228
+HK$7,584/mo
Deposit HK$25.72M · loan HK$25.72M · min. income ≈ HK$249,288/mo (50% DSR)
Upfront cash ≈ HK$27.90M (deposit + AVD stamp duty HK$2,186,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,483
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$133,982
−HK$3,550/mo
Today · 4.125%
HK$137,532
baseline
▲ 0.50% · 4.625%
HK$144,782
+HK$7,250/mo
Deposit HK$25.72M · loan HK$25.72M · min. income ≈ HK$275,064/mo (50% DSR)
Upfront cash ≈ HK$27.90M (deposit + AVD stamp duty HK$2,186,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,747
−HK$8,826/mo
▼ 0.25% · 3.875%
HK$145,125
−HK$4,448/mo
Today · 4.125%
HK$149,573
baseline
▲ 0.50% · 4.625%
HK$158,674
+HK$9,101/mo
Deposit HK$20.57M · loan HK$30.86M · min. income ≈ HK$299,146/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$2,186,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,579
−HK$8,460/mo
▼ 0.25% · 3.875%
HK$160,778
−HK$4,261/mo
Today · 4.125%
HK$165,039
baseline
▲ 0.50% · 4.625%
HK$173,738
+HK$8,699/mo
Deposit HK$20.57M · loan HK$30.86M · min. income ≈ HK$330,078/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$2,186,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,204
−HK$10,297/mo
▼ 0.25% · 3.875%
HK$169,312
−HK$5,189/mo
Today · 4.125%
HK$174,501
baseline
▲ 0.50% · 4.625%
HK$185,119
+HK$10,618/mo
Deposit HK$15.43M · loan HK$36.01M · min. income ≈ HK$349,002/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$2,186,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,676
−HK$9,869/mo
▼ 0.25% · 3.875%
HK$187,575
−HK$4,970/mo
Today · 4.125%
HK$192,545
baseline
▲ 0.50% · 4.625%
HK$202,694
+HK$10,149/mo
Deposit HK$15.43M · loan HK$36.01M · min. income ≈ HK$385,090/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$2,186,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,120
−HK$13,239/mo
▼ 0.25% · 3.875%
HK$217,687
−HK$6,672/mo
Today · 4.125%
HK$224,359
baseline
▲ 0.50% · 4.625%
HK$238,011
+HK$13,652/mo
Deposit HK$5.14M · loan HK$46.29M · min. income ≈ HK$448,718/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,186,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,869
−HK$12,689/mo
▼ 0.25% · 3.875%
HK$241,168
−HK$6,390/mo
Today · 4.125%
HK$247,558
baseline
▲ 0.50% · 4.625%
HK$260,607
+HK$13,049/mo
Deposit HK$5.14M · loan HK$46.29M · min. income ≈ HK$495,116/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,186,058 · Scale 2, in force from 26 Feb 2026)