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$117,127
−HK$7,345/mo
▼ 0.25% · 3.875%
HK$120,771
−HK$3,701/mo
Today · 4.125%
HK$124,472
baseline
▲ 0.50% · 4.625%
HK$132,046
+HK$7,574/mo
Deposit HK$25.68M · loan HK$25.68M · min. income ≈ HK$248,944/mo (50% DSR)
Upfront cash ≈ HK$27.87M (deposit + AVD stamp duty HK$2,183,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,303
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$133,798
−HK$3,545/mo
Today · 4.125%
HK$137,343
baseline
▲ 0.50% · 4.625%
HK$144,582
+HK$7,239/mo
Deposit HK$25.68M · loan HK$25.68M · min. income ≈ HK$274,686/mo (50% DSR)
Upfront cash ≈ HK$27.87M (deposit + AVD stamp duty HK$2,183,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,553
−HK$8,814/mo
▼ 0.25% · 3.875%
HK$144,925
−HK$4,442/mo
Today · 4.125%
HK$149,367
baseline
▲ 0.50% · 4.625%
HK$158,455
+HK$9,088/mo
Deposit HK$20.55M · loan HK$30.82M · min. income ≈ HK$298,734/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$2,183,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,363
−HK$8,448/mo
▼ 0.25% · 3.875%
HK$160,557
−HK$4,254/mo
Today · 4.125%
HK$164,811
baseline
▲ 0.50% · 4.625%
HK$173,499
+HK$8,688/mo
Deposit HK$20.55M · loan HK$30.82M · min. income ≈ HK$329,622/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$2,183,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,978
−HK$10,283/mo
▼ 0.25% · 3.875%
HK$169,079
−HK$5,182/mo
Today · 4.125%
HK$174,261
baseline
▲ 0.50% · 4.625%
HK$184,864
+HK$10,603/mo
Deposit HK$15.41M · loan HK$35.96M · min. income ≈ HK$348,522/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$2,183,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,424
−HK$9,856/mo
▼ 0.25% · 3.875%
HK$187,317
−HK$4,963/mo
Today · 4.125%
HK$192,280
baseline
▲ 0.50% · 4.625%
HK$202,415
+HK$10,135/mo
Deposit HK$15.41M · loan HK$35.96M · min. income ≈ HK$384,560/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$2,183,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,829
−HK$13,221/mo
▼ 0.25% · 3.875%
HK$217,387
−HK$6,663/mo
Today · 4.125%
HK$224,050
baseline
▲ 0.50% · 4.625%
HK$237,683
+HK$13,633/mo
Deposit HK$5.14M · loan HK$46.23M · min. income ≈ HK$448,100/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,183,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,545
−HK$12,672/mo
▼ 0.25% · 3.875%
HK$240,836
−HK$6,381/mo
Today · 4.125%
HK$247,217
baseline
▲ 0.50% · 4.625%
HK$260,248
+HK$13,031/mo
Deposit HK$5.14M · loan HK$46.23M · min. income ≈ HK$494,434/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$2,183,048 · Scale 2, in force from 26 Feb 2026)