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$115,481
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$119,073
−HK$3,650/mo
Today · 4.125%
HK$122,723
baseline
▲ 0.50% · 4.625%
HK$130,190
+HK$7,467/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$245,446/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,152,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,471
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,917
−HK$3,495/mo
Today · 4.125%
HK$135,412
baseline
▲ 0.50% · 4.625%
HK$142,550
+HK$7,138/mo
Deposit HK$25.32M · loan HK$25.32M · min. income ≈ HK$270,824/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,152,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,577
−HK$8,690/mo
▼ 0.25% · 3.875%
HK$142,888
−HK$4,379/mo
Today · 4.125%
HK$147,267
baseline
▲ 0.50% · 4.625%
HK$156,228
+HK$8,961/mo
Deposit HK$20.26M · loan HK$30.39M · min. income ≈ HK$294,534/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$2,152,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,166
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$158,300
−HK$4,195/mo
Today · 4.125%
HK$162,495
baseline
▲ 0.50% · 4.625%
HK$171,060
+HK$8,565/mo
Deposit HK$20.26M · loan HK$30.39M · min. income ≈ HK$324,990/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$2,152,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,673
−HK$10,139/mo
▼ 0.25% · 3.875%
HK$166,702
−HK$5,110/mo
Today · 4.125%
HK$171,812
baseline
▲ 0.50% · 4.625%
HK$182,266
+HK$10,454/mo
Deposit HK$15.19M · loan HK$35.45M · min. income ≈ HK$343,624/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$2,152,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,860
−HK$9,717/mo
▼ 0.25% · 3.875%
HK$184,684
−HK$4,893/mo
Today · 4.125%
HK$189,577
baseline
▲ 0.50% · 4.625%
HK$199,570
+HK$9,993/mo
Deposit HK$15.19M · loan HK$35.45M · min. income ≈ HK$379,154/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$2,152,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,866
−HK$13,035/mo
▼ 0.25% · 3.875%
HK$214,332
−HK$6,569/mo
Today · 4.125%
HK$220,901
baseline
▲ 0.50% · 4.625%
HK$234,342
+HK$13,441/mo
Deposit HK$5.06M · loan HK$45.58M · min. income ≈ HK$441,802/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,152,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,249
−HK$12,493/mo
▼ 0.25% · 3.875%
HK$237,451
−HK$6,291/mo
Today · 4.125%
HK$243,742
baseline
▲ 0.50% · 4.625%
HK$256,590
+HK$12,848/mo
Deposit HK$5.06M · loan HK$45.58M · min. income ≈ HK$487,484/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,152,365 · Scale 2, in force from 26 Feb 2026)