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$116,733
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$120,364
−HK$3,690/mo
Today · 4.125%
HK$124,054
baseline
▲ 0.50% · 4.625%
HK$131,602
+HK$7,548/mo
Deposit HK$25.60M · loan HK$25.60M · min. income ≈ HK$248,108/mo (50% DSR)
Upfront cash ≈ HK$27.77M (deposit + AVD stamp duty HK$2,175,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,865
−HK$7,016/mo
▼ 0.25% · 3.875%
HK$133,348
−HK$3,533/mo
Today · 4.125%
HK$136,881
baseline
▲ 0.50% · 4.625%
HK$144,096
+HK$7,215/mo
Deposit HK$25.60M · loan HK$25.60M · min. income ≈ HK$273,762/mo (50% DSR)
Upfront cash ≈ HK$27.77M (deposit + AVD stamp duty HK$2,175,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,080
−HK$8,784/mo
▼ 0.25% · 3.875%
HK$144,437
−HK$4,427/mo
Today · 4.125%
HK$148,864
baseline
▲ 0.50% · 4.625%
HK$157,922
+HK$9,058/mo
Deposit HK$20.48M · loan HK$30.72M · min. income ≈ HK$297,728/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$2,175,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,838
−HK$8,419/mo
▼ 0.25% · 3.875%
HK$160,017
−HK$4,240/mo
Today · 4.125%
HK$164,257
baseline
▲ 0.50% · 4.625%
HK$172,915
+HK$8,658/mo
Deposit HK$20.48M · loan HK$30.72M · min. income ≈ HK$328,514/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$2,175,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,427
−HK$10,248/mo
▼ 0.25% · 3.875%
HK$168,510
−HK$5,165/mo
Today · 4.125%
HK$173,675
baseline
▲ 0.50% · 4.625%
HK$184,243
+HK$10,568/mo
Deposit HK$15.36M · loan HK$35.84M · min. income ≈ HK$347,350/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$2,175,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,810
−HK$9,823/mo
▼ 0.25% · 3.875%
HK$186,687
−HK$4,946/mo
Today · 4.125%
HK$191,633
baseline
▲ 0.50% · 4.625%
HK$201,734
+HK$10,101/mo
Deposit HK$15.36M · loan HK$35.84M · min. income ≈ HK$383,266/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$2,175,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,120
−HK$13,176/mo
▼ 0.25% · 3.875%
HK$216,656
−HK$6,640/mo
Today · 4.125%
HK$223,296
baseline
▲ 0.50% · 4.625%
HK$236,883
+HK$13,587/mo
Deposit HK$5.12M · loan HK$46.07M · min. income ≈ HK$446,592/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,175,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,756
−HK$12,629/mo
▼ 0.25% · 3.875%
HK$240,026
−HK$6,359/mo
Today · 4.125%
HK$246,385
baseline
▲ 0.50% · 4.625%
HK$259,373
+HK$12,988/mo
Deposit HK$5.12M · loan HK$46.07M · min. income ≈ HK$492,770/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,175,706 · Scale 2, in force from 26 Feb 2026)