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$116,740
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$120,371
−HK$3,690/mo
Today · 4.125%
HK$124,061
baseline
▲ 0.50% · 4.625%
HK$131,610
+HK$7,549/mo
Deposit HK$25.60M · loan HK$25.60M · min. income ≈ HK$248,122/mo (50% DSR)
Upfront cash ≈ HK$27.77M (deposit + AVD stamp duty HK$2,175,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,872
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$133,355
−HK$3,534/mo
Today · 4.125%
HK$136,889
baseline
▲ 0.50% · 4.625%
HK$144,104
+HK$7,215/mo
Deposit HK$25.60M · loan HK$25.60M · min. income ≈ HK$273,778/mo (50% DSR)
Upfront cash ≈ HK$27.77M (deposit + AVD stamp duty HK$2,175,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,088
−HK$8,785/mo
▼ 0.25% · 3.875%
HK$144,446
−HK$4,427/mo
Today · 4.125%
HK$148,873
baseline
▲ 0.50% · 4.625%
HK$157,932
+HK$9,059/mo
Deposit HK$20.48M · loan HK$30.72M · min. income ≈ HK$297,746/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$2,175,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,847
−HK$8,420/mo
▼ 0.25% · 3.875%
HK$160,026
−HK$4,241/mo
Today · 4.125%
HK$164,267
baseline
▲ 0.50% · 4.625%
HK$172,925
+HK$8,658/mo
Deposit HK$20.48M · loan HK$30.72M · min. income ≈ HK$328,534/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$2,175,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,436
−HK$10,249/mo
▼ 0.25% · 3.875%
HK$168,520
−HK$5,165/mo
Today · 4.125%
HK$173,685
baseline
▲ 0.50% · 4.625%
HK$184,253
+HK$10,568/mo
Deposit HK$15.36M · loan HK$35.84M · min. income ≈ HK$347,370/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$2,175,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,821
−HK$9,823/mo
▼ 0.25% · 3.875%
HK$186,698
−HK$4,946/mo
Today · 4.125%
HK$191,644
baseline
▲ 0.50% · 4.625%
HK$201,746
+HK$10,102/mo
Deposit HK$15.36M · loan HK$35.84M · min. income ≈ HK$383,288/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$2,175,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,132
−HK$13,177/mo
▼ 0.25% · 3.875%
HK$216,669
−HK$6,640/mo
Today · 4.125%
HK$223,309
baseline
▲ 0.50% · 4.625%
HK$236,897
+HK$13,588/mo
Deposit HK$5.12M · loan HK$46.08M · min. income ≈ HK$446,618/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,175,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,770
−HK$12,630/mo
▼ 0.25% · 3.875%
HK$240,040
−HK$6,360/mo
Today · 4.125%
HK$246,400
baseline
▲ 0.50% · 4.625%
HK$259,388
+HK$12,988/mo
Deposit HK$5.12M · loan HK$46.08M · min. income ≈ HK$492,800/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,175,834 · Scale 2, in force from 26 Feb 2026)