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$115,920
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$119,526
−HK$3,663/mo
Today · 4.125%
HK$123,189
baseline
▲ 0.50% · 4.625%
HK$130,685
+HK$7,496/mo
Deposit HK$25.42M · loan HK$25.42M · min. income ≈ HK$246,378/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$2,160,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,960
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$132,418
−HK$3,509/mo
Today · 4.125%
HK$135,927
baseline
▲ 0.50% · 4.625%
HK$143,092
+HK$7,165/mo
Deposit HK$25.42M · loan HK$25.42M · min. income ≈ HK$271,854/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$2,160,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,104
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$143,431
−HK$4,396/mo
Today · 4.125%
HK$147,827
baseline
▲ 0.50% · 4.625%
HK$156,822
+HK$8,995/mo
Deposit HK$20.33M · loan HK$30.50M · min. income ≈ HK$295,654/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,160,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,752
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$158,902
−HK$4,211/mo
Today · 4.125%
HK$163,113
baseline
▲ 0.50% · 4.625%
HK$171,710
+HK$8,597/mo
Deposit HK$20.33M · loan HK$30.50M · min. income ≈ HK$326,226/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,160,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,288
−HK$10,177/mo
▼ 0.25% · 3.875%
HK$167,336
−HK$5,129/mo
Today · 4.125%
HK$172,465
baseline
▲ 0.50% · 4.625%
HK$182,959
+HK$10,494/mo
Deposit HK$15.25M · loan HK$35.59M · min. income ≈ HK$344,930/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$2,160,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,544
−HK$9,754/mo
▼ 0.25% · 3.875%
HK$185,386
−HK$4,912/mo
Today · 4.125%
HK$190,298
baseline
▲ 0.50% · 4.625%
HK$200,329
+HK$10,031/mo
Deposit HK$15.25M · loan HK$35.59M · min. income ≈ HK$380,596/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$2,160,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,656
−HK$13,085/mo
▼ 0.25% · 3.875%
HK$215,146
−HK$6,595/mo
Today · 4.125%
HK$221,741
baseline
▲ 0.50% · 4.625%
HK$235,233
+HK$13,492/mo
Deposit HK$5.08M · loan HK$45.75M · min. income ≈ HK$443,482/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,160,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,128
−HK$12,541/mo
▼ 0.25% · 3.875%
HK$238,353
−HK$6,316/mo
Today · 4.125%
HK$244,669
baseline
▲ 0.50% · 4.625%
HK$257,566
+HK$12,897/mo
Deposit HK$5.08M · loan HK$45.75M · min. income ≈ HK$489,338/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,160,547 · Scale 2, in force from 26 Feb 2026)