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$114,470
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,031
−HK$3,617/mo
Today · 4.125%
HK$121,648
baseline
▲ 0.50% · 4.625%
HK$129,050
+HK$7,402/mo
Deposit HK$25.10M · loan HK$25.10M · min. income ≈ HK$243,296/mo (50% DSR)
Upfront cash ≈ HK$27.23M (deposit + AVD stamp duty HK$2,133,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,347
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,762
−HK$3,465/mo
Today · 4.125%
HK$134,227
baseline
▲ 0.50% · 4.625%
HK$141,302
+HK$7,075/mo
Deposit HK$25.10M · loan HK$25.10M · min. income ≈ HK$268,454/mo (50% DSR)
Upfront cash ≈ HK$27.23M (deposit + AVD stamp duty HK$2,133,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,364
−HK$8,614/mo
▼ 0.25% · 3.875%
HK$141,637
−HK$4,341/mo
Today · 4.125%
HK$145,978
baseline
▲ 0.50% · 4.625%
HK$154,860
+HK$8,882/mo
Deposit HK$20.08M · loan HK$30.12M · min. income ≈ HK$291,956/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$2,133,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,816
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$156,915
−HK$4,157/mo
Today · 4.125%
HK$161,072
baseline
▲ 0.50% · 4.625%
HK$169,563
+HK$8,491/mo
Deposit HK$20.08M · loan HK$30.12M · min. income ≈ HK$322,144/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$2,133,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,258
−HK$10,050/mo
▼ 0.25% · 3.875%
HK$165,243
−HK$5,065/mo
Today · 4.125%
HK$170,308
baseline
▲ 0.50% · 4.625%
HK$180,671
+HK$10,363/mo
Deposit HK$15.06M · loan HK$35.14M · min. income ≈ HK$340,616/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$2,133,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,286
−HK$9,632/mo
▼ 0.25% · 3.875%
HK$183,067
−HK$4,851/mo
Today · 4.125%
HK$187,918
baseline
▲ 0.50% · 4.625%
HK$197,823
+HK$9,905/mo
Deposit HK$15.06M · loan HK$35.14M · min. income ≈ HK$375,836/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$2,133,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,046
−HK$12,921/mo
▼ 0.25% · 3.875%
HK$212,455
−HK$6,512/mo
Today · 4.125%
HK$218,967
baseline
▲ 0.50% · 4.625%
HK$232,291
+HK$13,324/mo
Deposit HK$5.02M · loan HK$45.18M · min. income ≈ HK$437,934/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,133,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,224
−HK$12,385/mo
▼ 0.25% · 3.875%
HK$235,372
−HK$6,237/mo
Today · 4.125%
HK$241,609
baseline
▲ 0.50% · 4.625%
HK$254,344
+HK$12,735/mo
Deposit HK$5.02M · loan HK$45.18M · min. income ≈ HK$483,218/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,133,523 · Scale 2, in force from 26 Feb 2026)