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$115,264
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$118,849
−HK$3,643/mo
Today · 4.125%
HK$122,492
baseline
▲ 0.50% · 4.625%
HK$129,945
+HK$7,453/mo
Deposit HK$25.27M · loan HK$25.27M · min. income ≈ HK$244,984/mo (50% DSR)
Upfront cash ≈ HK$27.42M (deposit + AVD stamp duty HK$2,148,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,230
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$131,669
−HK$3,489/mo
Today · 4.125%
HK$135,158
baseline
▲ 0.50% · 4.625%
HK$142,282
+HK$7,124/mo
Deposit HK$25.27M · loan HK$25.27M · min. income ≈ HK$270,316/mo (50% DSR)
Upfront cash ≈ HK$27.42M (deposit + AVD stamp duty HK$2,148,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,316
−HK$8,674/mo
▼ 0.25% · 3.875%
HK$142,619
−HK$4,371/mo
Today · 4.125%
HK$146,990
baseline
▲ 0.50% · 4.625%
HK$155,934
+HK$8,944/mo
Deposit HK$20.22M · loan HK$30.33M · min. income ≈ HK$293,980/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$2,148,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,876
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$158,002
−HK$4,187/mo
Today · 4.125%
HK$162,189
baseline
▲ 0.50% · 4.625%
HK$170,738
+HK$8,549/mo
Deposit HK$20.22M · loan HK$30.33M · min. income ≈ HK$324,378/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$2,148,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,369
−HK$10,119/mo
▼ 0.25% · 3.875%
HK$166,389
−HK$5,099/mo
Today · 4.125%
HK$171,488
baseline
▲ 0.50% · 4.625%
HK$181,923
+HK$10,435/mo
Deposit HK$15.16M · loan HK$35.38M · min. income ≈ HK$342,976/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$2,148,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,522
−HK$9,699/mo
▼ 0.25% · 3.875%
HK$184,336
−HK$4,885/mo
Today · 4.125%
HK$189,221
baseline
▲ 0.50% · 4.625%
HK$199,195
+HK$9,974/mo
Deposit HK$15.16M · loan HK$35.38M · min. income ≈ HK$378,442/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$2,148,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,475
−HK$13,010/mo
▼ 0.25% · 3.875%
HK$213,928
−HK$6,557/mo
Today · 4.125%
HK$220,485
baseline
▲ 0.50% · 4.625%
HK$233,901
+HK$13,416/mo
Deposit HK$5.05M · loan HK$45.49M · min. income ≈ HK$440,970/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,148,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,813
−HK$12,471/mo
▼ 0.25% · 3.875%
HK$237,004
−HK$6,280/mo
Today · 4.125%
HK$243,284
baseline
▲ 0.50% · 4.625%
HK$256,107
+HK$12,823/mo
Deposit HK$5.05M · loan HK$45.49M · min. income ≈ HK$486,568/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$2,148,314 · Scale 2, in force from 26 Feb 2026)