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$114,584
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$118,149
−HK$3,621/mo
Today · 4.125%
HK$121,770
baseline
▲ 0.50% · 4.625%
HK$129,179
+HK$7,409/mo
Deposit HK$25.13M · loan HK$25.13M · min. income ≈ HK$243,540/mo (50% DSR)
Upfront cash ≈ HK$27.26M (deposit + AVD stamp duty HK$2,135,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,474
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$130,893
−HK$3,468/mo
Today · 4.125%
HK$134,361
baseline
▲ 0.50% · 4.625%
HK$141,443
+HK$7,082/mo
Deposit HK$25.13M · loan HK$25.13M · min. income ≈ HK$268,722/mo (50% DSR)
Upfront cash ≈ HK$27.26M (deposit + AVD stamp duty HK$2,135,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,501
−HK$8,623/mo
▼ 0.25% · 3.875%
HK$141,778
−HK$4,346/mo
Today · 4.125%
HK$146,124
baseline
▲ 0.50% · 4.625%
HK$155,015
+HK$8,891/mo
Deposit HK$20.10M · loan HK$30.15M · min. income ≈ HK$292,248/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$2,135,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,969
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$157,071
−HK$4,162/mo
Today · 4.125%
HK$161,233
baseline
▲ 0.50% · 4.625%
HK$169,732
+HK$8,499/mo
Deposit HK$20.10M · loan HK$30.15M · min. income ≈ HK$322,466/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$2,135,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,418
−HK$10,060/mo
▼ 0.25% · 3.875%
HK$165,408
−HK$5,070/mo
Today · 4.125%
HK$170,478
baseline
▲ 0.50% · 4.625%
HK$180,851
+HK$10,373/mo
Deposit HK$15.08M · loan HK$35.18M · min. income ≈ HK$340,956/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$2,135,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,464
−HK$9,642/mo
▼ 0.25% · 3.875%
HK$183,250
−HK$4,856/mo
Today · 4.125%
HK$188,106
baseline
▲ 0.50% · 4.625%
HK$198,021
+HK$9,915/mo
Deposit HK$15.08M · loan HK$35.18M · min. income ≈ HK$376,212/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$2,135,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,252
−HK$12,934/mo
▼ 0.25% · 3.875%
HK$212,668
−HK$6,518/mo
Today · 4.125%
HK$219,186
baseline
▲ 0.50% · 4.625%
HK$232,523
+HK$13,337/mo
Deposit HK$5.03M · loan HK$45.23M · min. income ≈ HK$438,372/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,135,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,453
−HK$12,397/mo
▼ 0.25% · 3.875%
HK$235,607
−HK$6,243/mo
Today · 4.125%
HK$241,850
baseline
▲ 0.50% · 4.625%
HK$254,598
+HK$12,748/mo
Deposit HK$5.03M · loan HK$45.23M · min. income ≈ HK$483,700/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,135,655 · Scale 2, in force from 26 Feb 2026)