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$114,810
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$118,381
−HK$3,629/mo
Today · 4.125%
HK$122,010
baseline
▲ 0.50% · 4.625%
HK$129,434
+HK$7,424/mo
Deposit HK$25.17M · loan HK$25.17M · min. income ≈ HK$244,020/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$2,139,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,725
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$131,151
−HK$3,475/mo
Today · 4.125%
HK$134,626
baseline
▲ 0.50% · 4.625%
HK$141,722
+HK$7,096/mo
Deposit HK$25.17M · loan HK$25.17M · min. income ≈ HK$269,252/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$2,139,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,772
−HK$8,640/mo
▼ 0.25% · 3.875%
HK$142,058
−HK$4,354/mo
Today · 4.125%
HK$146,412
baseline
▲ 0.50% · 4.625%
HK$155,321
+HK$8,909/mo
Deposit HK$20.14M · loan HK$30.21M · min. income ≈ HK$292,824/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,139,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,270
−HK$8,281/mo
▼ 0.25% · 3.875%
HK$157,381
−HK$4,170/mo
Today · 4.125%
HK$161,551
baseline
▲ 0.50% · 4.625%
HK$170,067
+HK$8,516/mo
Deposit HK$20.14M · loan HK$30.21M · min. income ≈ HK$323,102/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,139,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,734
−HK$10,080/mo
▼ 0.25% · 3.875%
HK$165,734
−HK$5,080/mo
Today · 4.125%
HK$170,814
baseline
▲ 0.50% · 4.625%
HK$181,207
+HK$10,393/mo
Deposit HK$15.10M · loan HK$35.24M · min. income ≈ HK$341,628/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$2,139,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,815
−HK$9,661/mo
▼ 0.25% · 3.875%
HK$183,611
−HK$4,865/mo
Today · 4.125%
HK$188,476
baseline
▲ 0.50% · 4.625%
HK$198,411
+HK$9,935/mo
Deposit HK$15.10M · loan HK$35.24M · min. income ≈ HK$376,952/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$2,139,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,658
−HK$12,960/mo
▼ 0.25% · 3.875%
HK$213,087
−HK$6,531/mo
Today · 4.125%
HK$219,618
baseline
▲ 0.50% · 4.625%
HK$232,981
+HK$13,363/mo
Deposit HK$5.03M · loan HK$45.31M · min. income ≈ HK$439,236/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,139,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,905
−HK$12,421/mo
▼ 0.25% · 3.875%
HK$236,071
−HK$6,255/mo
Today · 4.125%
HK$242,326
baseline
▲ 0.50% · 4.625%
HK$255,100
+HK$12,774/mo
Deposit HK$5.03M · loan HK$45.31M · min. income ≈ HK$484,652/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,139,863 · Scale 2, in force from 26 Feb 2026)