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$115,594
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$119,190
−HK$3,653/mo
Today · 4.125%
HK$122,843
baseline
▲ 0.50% · 4.625%
HK$130,318
+HK$7,475/mo
Deposit HK$25.35M · loan HK$25.35M · min. income ≈ HK$245,686/mo (50% DSR)
Upfront cash ≈ HK$27.50M (deposit + AVD stamp duty HK$2,154,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,598
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,047
−HK$3,498/mo
Today · 4.125%
HK$135,545
baseline
▲ 0.50% · 4.625%
HK$142,690
+HK$7,145/mo
Deposit HK$25.35M · loan HK$25.35M · min. income ≈ HK$271,090/mo (50% DSR)
Upfront cash ≈ HK$27.50M (deposit + AVD stamp duty HK$2,154,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,713
−HK$8,699/mo
▼ 0.25% · 3.875%
HK$143,028
−HK$4,384/mo
Today · 4.125%
HK$147,412
baseline
▲ 0.50% · 4.625%
HK$156,382
+HK$8,970/mo
Deposit HK$20.28M · loan HK$30.42M · min. income ≈ HK$294,824/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$2,154,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,317
−HK$8,337/mo
▼ 0.25% · 3.875%
HK$158,456
−HK$4,198/mo
Today · 4.125%
HK$162,654
baseline
▲ 0.50% · 4.625%
HK$171,228
+HK$8,574/mo
Deposit HK$20.28M · loan HK$30.42M · min. income ≈ HK$325,308/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$2,154,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,832
−HK$10,149/mo
▼ 0.25% · 3.875%
HK$166,866
−HK$5,115/mo
Today · 4.125%
HK$171,981
baseline
▲ 0.50% · 4.625%
HK$182,445
+HK$10,464/mo
Deposit HK$15.21M · loan HK$35.49M · min. income ≈ HK$343,962/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$2,154,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,037
−HK$9,727/mo
▼ 0.25% · 3.875%
HK$184,865
−HK$4,899/mo
Today · 4.125%
HK$189,764
baseline
▲ 0.50% · 4.625%
HK$199,766
+HK$10,002/mo
Deposit HK$15.21M · loan HK$35.49M · min. income ≈ HK$379,528/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$2,154,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,070
−HK$13,048/mo
▼ 0.25% · 3.875%
HK$214,542
−HK$6,576/mo
Today · 4.125%
HK$221,118
baseline
▲ 0.50% · 4.625%
HK$234,572
+HK$13,454/mo
Deposit HK$5.07M · loan HK$45.62M · min. income ≈ HK$442,236/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,154,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,476
−HK$12,506/mo
▼ 0.25% · 3.875%
HK$237,684
−HK$6,298/mo
Today · 4.125%
HK$243,982
baseline
▲ 0.50% · 4.625%
HK$256,842
+HK$12,860/mo
Deposit HK$5.07M · loan HK$45.62M · min. income ≈ HK$487,964/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$2,154,480 · Scale 2, in force from 26 Feb 2026)