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$114,936
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$118,512
−HK$3,632/mo
Today · 4.125%
HK$122,144
baseline
▲ 0.50% · 4.625%
HK$129,576
+HK$7,432/mo
Deposit HK$25.20M · loan HK$25.20M · min. income ≈ HK$244,288/mo (50% DSR)
Upfront cash ≈ HK$27.34M (deposit + AVD stamp duty HK$2,142,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,866
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$131,295
−HK$3,479/mo
Today · 4.125%
HK$134,774
baseline
▲ 0.50% · 4.625%
HK$141,878
+HK$7,104/mo
Deposit HK$25.20M · loan HK$25.20M · min. income ≈ HK$269,548/mo (50% DSR)
Upfront cash ≈ HK$27.34M (deposit + AVD stamp duty HK$2,142,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,924
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$142,214
−HK$4,359/mo
Today · 4.125%
HK$146,573
baseline
▲ 0.50% · 4.625%
HK$155,491
+HK$8,918/mo
Deposit HK$20.16M · loan HK$30.24M · min. income ≈ HK$293,146/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$2,142,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,439
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$157,554
−HK$4,174/mo
Today · 4.125%
HK$161,728
baseline
▲ 0.50% · 4.625%
HK$170,253
+HK$8,525/mo
Deposit HK$20.16M · loan HK$30.24M · min. income ≈ HK$323,456/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$2,142,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,911
−HK$10,090/mo
▼ 0.25% · 3.875%
HK$165,916
−HK$5,085/mo
Today · 4.125%
HK$171,001
baseline
▲ 0.50% · 4.625%
HK$181,406
+HK$10,405/mo
Deposit HK$15.12M · loan HK$35.28M · min. income ≈ HK$342,002/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$2,142,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,012
−HK$9,671/mo
▼ 0.25% · 3.875%
HK$183,813
−HK$4,870/mo
Today · 4.125%
HK$188,683
baseline
▲ 0.50% · 4.625%
HK$198,629
+HK$9,946/mo
Deposit HK$15.12M · loan HK$35.28M · min. income ≈ HK$377,366/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$2,142,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,885
−HK$12,974/mo
▼ 0.25% · 3.875%
HK$213,321
−HK$6,538/mo
Today · 4.125%
HK$219,859
baseline
▲ 0.50% · 4.625%
HK$233,237
+HK$13,378/mo
Deposit HK$5.04M · loan HK$45.36M · min. income ≈ HK$439,718/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,142,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,158
−HK$12,435/mo
▼ 0.25% · 3.875%
HK$236,331
−HK$6,262/mo
Today · 4.125%
HK$242,593
baseline
▲ 0.50% · 4.625%
HK$255,380
+HK$12,787/mo
Deposit HK$5.04M · loan HK$45.36M · min. income ≈ HK$485,186/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,142,213 · Scale 2, in force from 26 Feb 2026)