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$116,046
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$119,656
−HK$3,668/mo
Today · 4.125%
HK$123,324
baseline
▲ 0.50% · 4.625%
HK$130,828
+HK$7,504/mo
Deposit HK$25.45M · loan HK$25.45M · min. income ≈ HK$246,648/mo (50% DSR)
Upfront cash ≈ HK$27.61M (deposit + AVD stamp duty HK$2,162,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,100
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$132,563
−HK$3,512/mo
Today · 4.125%
HK$136,075
baseline
▲ 0.50% · 4.625%
HK$143,248
+HK$7,173/mo
Deposit HK$25.45M · loan HK$25.45M · min. income ≈ HK$272,150/mo (50% DSR)
Upfront cash ≈ HK$27.61M (deposit + AVD stamp duty HK$2,162,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,256
−HK$8,732/mo
▼ 0.25% · 3.875%
HK$143,587
−HK$4,401/mo
Today · 4.125%
HK$147,988
baseline
▲ 0.50% · 4.625%
HK$156,993
+HK$9,005/mo
Deposit HK$20.36M · loan HK$30.54M · min. income ≈ HK$295,976/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$2,162,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,921
−HK$8,369/mo
▼ 0.25% · 3.875%
HK$159,075
−HK$4,215/mo
Today · 4.125%
HK$163,290
baseline
▲ 0.50% · 4.625%
HK$171,898
+HK$8,608/mo
Deposit HK$20.36M · loan HK$30.54M · min. income ≈ HK$326,580/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$2,162,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,465
−HK$10,188/mo
▼ 0.25% · 3.875%
HK$167,519
−HK$5,134/mo
Today · 4.125%
HK$172,653
baseline
▲ 0.50% · 4.625%
HK$183,159
+HK$10,506/mo
Deposit HK$15.27M · loan HK$35.62M · min. income ≈ HK$345,306/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$2,162,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,741
−HK$9,765/mo
▼ 0.25% · 3.875%
HK$185,588
−HK$4,918/mo
Today · 4.125%
HK$190,506
baseline
▲ 0.50% · 4.625%
HK$200,547
+HK$10,041/mo
Deposit HK$15.27M · loan HK$35.62M · min. income ≈ HK$381,012/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$2,162,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,884
−HK$13,098/mo
▼ 0.25% · 3.875%
HK$215,381
−HK$6,601/mo
Today · 4.125%
HK$221,982
baseline
▲ 0.50% · 4.625%
HK$235,490
+HK$13,508/mo
Deposit HK$5.09M · loan HK$45.80M · min. income ≈ HK$443,964/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,162,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,381
−HK$12,555/mo
▼ 0.25% · 3.875%
HK$238,613
−HK$6,323/mo
Today · 4.125%
HK$244,936
baseline
▲ 0.50% · 4.625%
HK$257,847
+HK$12,911/mo
Deposit HK$5.09M · loan HK$45.80M · min. income ≈ HK$489,872/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,162,903 · Scale 2, in force from 26 Feb 2026)