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$116,211
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,826
−HK$3,672/mo
Today · 4.125%
HK$123,498
baseline
▲ 0.50% · 4.625%
HK$131,013
+HK$7,515/mo
Deposit HK$25.48M · loan HK$25.48M · min. income ≈ HK$246,996/mo (50% DSR)
Upfront cash ≈ HK$27.65M (deposit + AVD stamp duty HK$2,165,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,283
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$132,751
−HK$3,517/mo
Today · 4.125%
HK$136,268
baseline
▲ 0.50% · 4.625%
HK$143,451
+HK$7,183/mo
Deposit HK$25.48M · loan HK$25.48M · min. income ≈ HK$272,536/mo (50% DSR)
Upfront cash ≈ HK$27.65M (deposit + AVD stamp duty HK$2,165,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,453
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$143,791
−HK$4,407/mo
Today · 4.125%
HK$148,198
baseline
▲ 0.50% · 4.625%
HK$157,215
+HK$9,017/mo
Deposit HK$20.39M · loan HK$30.58M · min. income ≈ HK$296,396/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,165,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,140
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$159,301
−HK$4,221/mo
Today · 4.125%
HK$163,522
baseline
▲ 0.50% · 4.625%
HK$172,141
+HK$8,619/mo
Deposit HK$20.39M · loan HK$30.58M · min. income ≈ HK$327,044/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,165,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,695
−HK$10,202/mo
▼ 0.25% · 3.875%
HK$167,756
−HK$5,141/mo
Today · 4.125%
HK$172,897
baseline
▲ 0.50% · 4.625%
HK$183,418
+HK$10,521/mo
Deposit HK$15.29M · loan HK$35.67M · min. income ≈ HK$345,794/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$2,165,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,997
−HK$9,778/mo
▼ 0.25% · 3.875%
HK$185,851
−HK$4,924/mo
Today · 4.125%
HK$190,775
baseline
▲ 0.50% · 4.625%
HK$200,831
+HK$10,056/mo
Deposit HK$15.29M · loan HK$35.67M · min. income ≈ HK$381,550/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$2,165,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,179
−HK$13,118/mo
▼ 0.25% · 3.875%
HK$215,686
−HK$6,611/mo
Today · 4.125%
HK$222,297
baseline
▲ 0.50% · 4.625%
HK$235,823
+HK$13,526/mo
Deposit HK$5.10M · loan HK$45.87M · min. income ≈ HK$444,594/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,710
−HK$12,573/mo
▼ 0.25% · 3.875%
HK$238,951
−HK$6,332/mo
Today · 4.125%
HK$245,283
baseline
▲ 0.50% · 4.625%
HK$258,212
+HK$12,929/mo
Deposit HK$5.10M · loan HK$45.87M · min. income ≈ HK$490,566/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$2,165,966 · Scale 2, in force from 26 Feb 2026)