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$116,381
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$120,001
−HK$3,678/mo
Today · 4.125%
HK$123,679
baseline
▲ 0.50% · 4.625%
HK$131,204
+HK$7,525/mo
Deposit HK$25.52M · loan HK$25.52M · min. income ≈ HK$247,358/mo (50% DSR)
Upfront cash ≈ HK$27.69M (deposit + AVD stamp duty HK$2,169,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,472
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$132,945
−HK$3,522/mo
Today · 4.125%
HK$136,467
baseline
▲ 0.50% · 4.625%
HK$143,661
+HK$7,194/mo
Deposit HK$25.52M · loan HK$25.52M · min. income ≈ HK$272,934/mo (50% DSR)
Upfront cash ≈ HK$27.69M (deposit + AVD stamp duty HK$2,169,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,657
−HK$8,758/mo
▼ 0.25% · 3.875%
HK$144,001
−HK$4,414/mo
Today · 4.125%
HK$148,415
baseline
▲ 0.50% · 4.625%
HK$157,445
+HK$9,030/mo
Deposit HK$20.42M · loan HK$30.62M · min. income ≈ HK$296,830/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,169,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,367
−HK$8,394/mo
▼ 0.25% · 3.875%
HK$159,534
−HK$4,227/mo
Today · 4.125%
HK$163,761
baseline
▲ 0.50% · 4.625%
HK$172,393
+HK$8,632/mo
Deposit HK$20.42M · loan HK$30.62M · min. income ≈ HK$327,522/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,169,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,933
−HK$10,217/mo
▼ 0.25% · 3.875%
HK$168,001
−HK$5,149/mo
Today · 4.125%
HK$173,150
baseline
▲ 0.50% · 4.625%
HK$183,686
+HK$10,536/mo
Deposit HK$15.31M · loan HK$35.73M · min. income ≈ HK$346,300/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$2,169,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,261
−HK$9,793/mo
▼ 0.25% · 3.875%
HK$186,123
−HK$4,931/mo
Today · 4.125%
HK$191,054
baseline
▲ 0.50% · 4.625%
HK$201,125
+HK$10,071/mo
Deposit HK$15.31M · loan HK$35.73M · min. income ≈ HK$382,108/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$2,169,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,485
−HK$13,137/mo
▼ 0.25% · 3.875%
HK$216,001
−HK$6,621/mo
Today · 4.125%
HK$222,622
baseline
▲ 0.50% · 4.625%
HK$236,168
+HK$13,546/mo
Deposit HK$5.10M · loan HK$45.93M · min. income ≈ HK$445,244/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,169,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,050
−HK$12,591/mo
▼ 0.25% · 3.875%
HK$239,300
−HK$6,341/mo
Today · 4.125%
HK$245,641
baseline
▲ 0.50% · 4.625%
HK$258,589
+HK$12,948/mo
Deposit HK$5.10M · loan HK$45.93M · min. income ≈ HK$491,282/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,169,133 · Scale 2, in force from 26 Feb 2026)