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$114,132
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,682
−HK$3,607/mo
Today · 4.125%
HK$121,289
baseline
▲ 0.50% · 4.625%
HK$128,669
+HK$7,380/mo
Deposit HK$25.03M · loan HK$25.03M · min. income ≈ HK$242,578/mo (50% DSR)
Upfront cash ≈ HK$27.15M (deposit + AVD stamp duty HK$2,127,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,970
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$130,376
−HK$3,454/mo
Today · 4.125%
HK$133,830
baseline
▲ 0.50% · 4.625%
HK$140,885
+HK$7,055/mo
Deposit HK$25.03M · loan HK$25.03M · min. income ≈ HK$267,660/mo (50% DSR)
Upfront cash ≈ HK$27.15M (deposit + AVD stamp duty HK$2,127,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,958
−HK$8,588/mo
▼ 0.25% · 3.875%
HK$141,218
−HK$4,328/mo
Today · 4.125%
HK$145,546
baseline
▲ 0.50% · 4.625%
HK$154,403
+HK$8,857/mo
Deposit HK$20.02M · loan HK$30.03M · min. income ≈ HK$291,092/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$2,127,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,364
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$156,451
−HK$4,145/mo
Today · 4.125%
HK$160,596
baseline
▲ 0.50% · 4.625%
HK$169,061
+HK$8,465/mo
Deposit HK$20.02M · loan HK$30.03M · min. income ≈ HK$321,192/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$2,127,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,784
−HK$10,020/mo
▼ 0.25% · 3.875%
HK$164,755
−HK$5,049/mo
Today · 4.125%
HK$169,804
baseline
▲ 0.50% · 4.625%
HK$180,136
+HK$10,332/mo
Deposit HK$15.02M · loan HK$35.04M · min. income ≈ HK$339,608/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$2,127,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,758
−HK$9,604/mo
▼ 0.25% · 3.875%
HK$182,526
−HK$4,836/mo
Today · 4.125%
HK$187,362
baseline
▲ 0.50% · 4.625%
HK$197,238
+HK$9,876/mo
Deposit HK$15.02M · loan HK$35.04M · min. income ≈ HK$374,724/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$2,127,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,437
−HK$12,883/mo
▼ 0.25% · 3.875%
HK$211,827
−HK$6,493/mo
Today · 4.125%
HK$218,320
baseline
▲ 0.50% · 4.625%
HK$231,604
+HK$13,284/mo
Deposit HK$5.01M · loan HK$45.05M · min. income ≈ HK$436,640/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,127,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,547
−HK$12,347/mo
▼ 0.25% · 3.875%
HK$234,676
−HK$6,218/mo
Today · 4.125%
HK$240,894
baseline
▲ 0.50% · 4.625%
HK$253,592
+HK$12,698/mo
Deposit HK$5.01M · loan HK$45.05M · min. income ≈ HK$481,788/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,127,215 · Scale 2, in force from 26 Feb 2026)