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$114,507
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$118,068
−HK$3,619/mo
Today · 4.125%
HK$121,687
baseline
▲ 0.50% · 4.625%
HK$129,092
+HK$7,405/mo
Deposit HK$25.11M · loan HK$25.11M · min. income ≈ HK$243,374/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,134,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,387
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,804
−HK$3,466/mo
Today · 4.125%
HK$134,270
baseline
▲ 0.50% · 4.625%
HK$141,347
+HK$7,077/mo
Deposit HK$25.11M · loan HK$25.11M · min. income ≈ HK$268,540/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,134,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,408
−HK$8,617/mo
▼ 0.25% · 3.875%
HK$141,682
−HK$4,343/mo
Today · 4.125%
HK$146,025
baseline
▲ 0.50% · 4.625%
HK$154,910
+HK$8,885/mo
Deposit HK$20.09M · loan HK$30.13M · min. income ≈ HK$292,050/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$2,134,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,865
−HK$8,259/mo
▼ 0.25% · 3.875%
HK$156,965
−HK$4,159/mo
Today · 4.125%
HK$161,124
baseline
▲ 0.50% · 4.625%
HK$169,617
+HK$8,493/mo
Deposit HK$20.09M · loan HK$30.13M · min. income ≈ HK$322,248/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$2,134,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,309
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$165,296
−HK$5,066/mo
Today · 4.125%
HK$170,362
baseline
▲ 0.50% · 4.625%
HK$180,728
+HK$10,366/mo
Deposit HK$15.06M · loan HK$35.15M · min. income ≈ HK$340,724/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$2,134,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,342
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$183,125
−HK$4,853/mo
Today · 4.125%
HK$187,978
baseline
▲ 0.50% · 4.625%
HK$197,886
+HK$9,908/mo
Deposit HK$15.06M · loan HK$35.15M · min. income ≈ HK$375,956/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$2,134,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,112
−HK$12,925/mo
▼ 0.25% · 3.875%
HK$212,523
−HK$6,514/mo
Today · 4.125%
HK$219,037
baseline
▲ 0.50% · 4.625%
HK$232,365
+HK$13,328/mo
Deposit HK$5.02M · loan HK$45.19M · min. income ≈ HK$438,074/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,134,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,297
−HK$12,389/mo
▼ 0.25% · 3.875%
HK$235,447
−HK$6,239/mo
Today · 4.125%
HK$241,686
baseline
▲ 0.50% · 4.625%
HK$254,425
+HK$12,739/mo
Deposit HK$5.02M · loan HK$45.19M · min. income ≈ HK$483,372/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,134,203 · Scale 2, in force from 26 Feb 2026)