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$116,295
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$119,912
−HK$3,676/mo
Today · 4.125%
HK$123,588
baseline
▲ 0.50% · 4.625%
HK$131,108
+HK$7,520/mo
Deposit HK$25.50M · loan HK$25.50M · min. income ≈ HK$247,176/mo (50% DSR)
Upfront cash ≈ HK$27.67M (deposit + AVD stamp duty HK$2,167,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,377
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$132,847
−HK$3,520/mo
Today · 4.125%
HK$136,367
baseline
▲ 0.50% · 4.625%
HK$143,555
+HK$7,188/mo
Deposit HK$25.50M · loan HK$25.50M · min. income ≈ HK$272,734/mo (50% DSR)
Upfront cash ≈ HK$27.67M (deposit + AVD stamp duty HK$2,167,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,554
−HK$8,751/mo
▼ 0.25% · 3.875%
HK$143,895
−HK$4,410/mo
Today · 4.125%
HK$148,305
baseline
▲ 0.50% · 4.625%
HK$157,329
+HK$9,024/mo
Deposit HK$20.40M · loan HK$30.60M · min. income ≈ HK$296,610/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$2,167,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,252
−HK$8,388/mo
▼ 0.25% · 3.875%
HK$159,416
−HK$4,224/mo
Today · 4.125%
HK$163,640
baseline
▲ 0.50% · 4.625%
HK$172,266
+HK$8,626/mo
Deposit HK$20.40M · loan HK$30.60M · min. income ≈ HK$327,280/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$2,167,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,813
−HK$10,210/mo
▼ 0.25% · 3.875%
HK$167,877
−HK$5,146/mo
Today · 4.125%
HK$173,023
baseline
▲ 0.50% · 4.625%
HK$183,551
+HK$10,528/mo
Deposit HK$15.30M · loan HK$35.70M · min. income ≈ HK$346,046/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,167,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,128
−HK$9,785/mo
▼ 0.25% · 3.875%
HK$185,985
−HK$4,928/mo
Today · 4.125%
HK$190,913
baseline
▲ 0.50% · 4.625%
HK$200,977
+HK$10,064/mo
Deposit HK$15.30M · loan HK$35.70M · min. income ≈ HK$381,826/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,167,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,331
−HK$13,127/mo
▼ 0.25% · 3.875%
HK$215,842
−HK$6,616/mo
Today · 4.125%
HK$222,458
baseline
▲ 0.50% · 4.625%
HK$235,994
+HK$13,536/mo
Deposit HK$5.10M · loan HK$45.90M · min. income ≈ HK$444,916/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,167,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,878
−HK$12,582/mo
▼ 0.25% · 3.875%
HK$239,124
−HK$6,336/mo
Today · 4.125%
HK$245,460
baseline
▲ 0.50% · 4.625%
HK$258,399
+HK$12,939/mo
Deposit HK$5.10M · loan HK$45.90M · min. income ≈ HK$490,920/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,167,534 · Scale 2, in force from 26 Feb 2026)