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$116,331
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,949
−HK$3,677/mo
Today · 4.125%
HK$123,626
baseline
▲ 0.50% · 4.625%
HK$131,148
+HK$7,522/mo
Deposit HK$25.51M · loan HK$25.51M · min. income ≈ HK$247,252/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,168,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,417
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$132,888
−HK$3,521/mo
Today · 4.125%
HK$136,409
baseline
▲ 0.50% · 4.625%
HK$143,599
+HK$7,190/mo
Deposit HK$25.51M · loan HK$25.51M · min. income ≈ HK$272,818/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,168,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,597
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$143,939
−HK$4,412/mo
Today · 4.125%
HK$148,351
baseline
▲ 0.50% · 4.625%
HK$157,377
+HK$9,026/mo
Deposit HK$20.41M · loan HK$30.61M · min. income ≈ HK$296,702/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$2,168,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,300
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$159,465
−HK$4,225/mo
Today · 4.125%
HK$163,690
baseline
▲ 0.50% · 4.625%
HK$172,319
+HK$8,629/mo
Deposit HK$20.41M · loan HK$30.61M · min. income ≈ HK$327,380/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$2,168,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,863
−HK$10,213/mo
▼ 0.25% · 3.875%
HK$167,929
−HK$5,147/mo
Today · 4.125%
HK$173,076
baseline
▲ 0.50% · 4.625%
HK$183,607
+HK$10,531/mo
Deposit HK$15.30M · loan HK$35.71M · min. income ≈ HK$346,152/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,168,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,183
−HK$9,789/mo
▼ 0.25% · 3.875%
HK$186,043
−HK$4,929/mo
Today · 4.125%
HK$190,972
baseline
▲ 0.50% · 4.625%
HK$201,038
+HK$10,066/mo
Deposit HK$15.30M · loan HK$35.71M · min. income ≈ HK$381,944/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,168,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,395
−HK$13,131/mo
▼ 0.25% · 3.875%
HK$215,908
−HK$6,618/mo
Today · 4.125%
HK$222,526
baseline
▲ 0.50% · 4.625%
HK$236,066
+HK$13,540/mo
Deposit HK$5.10M · loan HK$45.91M · min. income ≈ HK$445,052/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,168,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,950
−HK$12,585/mo
▼ 0.25% · 3.875%
HK$239,198
−HK$6,337/mo
Today · 4.125%
HK$245,535
baseline
▲ 0.50% · 4.625%
HK$258,478
+HK$12,943/mo
Deposit HK$5.10M · loan HK$45.91M · min. income ≈ HK$491,070/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,168,200 · Scale 2, in force from 26 Feb 2026)