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$114,947
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$118,522
−HK$3,633/mo
Today · 4.125%
HK$122,155
baseline
▲ 0.50% · 4.625%
HK$129,588
+HK$7,433/mo
Deposit HK$25.20M · loan HK$25.20M · min. income ≈ HK$244,310/mo (50% DSR)
Upfront cash ≈ HK$27.35M (deposit + AVD stamp duty HK$2,142,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,877
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$131,307
−HK$3,479/mo
Today · 4.125%
HK$134,786
baseline
▲ 0.50% · 4.625%
HK$141,891
+HK$7,105/mo
Deposit HK$25.20M · loan HK$25.20M · min. income ≈ HK$269,572/mo (50% DSR)
Upfront cash ≈ HK$27.35M (deposit + AVD stamp duty HK$2,142,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,936
−HK$8,650/mo
▼ 0.25% · 3.875%
HK$142,227
−HK$4,359/mo
Today · 4.125%
HK$146,586
baseline
▲ 0.50% · 4.625%
HK$155,505
+HK$8,919/mo
Deposit HK$20.16M · loan HK$30.25M · min. income ≈ HK$293,172/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$2,142,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,453
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$157,568
−HK$4,175/mo
Today · 4.125%
HK$161,743
baseline
▲ 0.50% · 4.625%
HK$170,269
+HK$8,526/mo
Deposit HK$20.16M · loan HK$30.25M · min. income ≈ HK$323,486/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$2,142,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,926
−HK$10,091/mo
▼ 0.25% · 3.875%
HK$165,931
−HK$5,086/mo
Today · 4.125%
HK$171,017
baseline
▲ 0.50% · 4.625%
HK$181,423
+HK$10,406/mo
Deposit HK$15.12M · loan HK$35.29M · min. income ≈ HK$342,034/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$2,142,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,028
−HK$9,672/mo
▼ 0.25% · 3.875%
HK$183,829
−HK$4,871/mo
Today · 4.125%
HK$188,700
baseline
▲ 0.50% · 4.625%
HK$198,647
+HK$9,947/mo
Deposit HK$15.12M · loan HK$35.29M · min. income ≈ HK$377,400/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$2,142,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,904
−HK$12,975/mo
▼ 0.25% · 3.875%
HK$213,340
−HK$6,539/mo
Today · 4.125%
HK$219,879
baseline
▲ 0.50% · 4.625%
HK$233,258
+HK$13,379/mo
Deposit HK$5.04M · loan HK$45.37M · min. income ≈ HK$439,758/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,142,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,179
−HK$12,436/mo
▼ 0.25% · 3.875%
HK$236,352
−HK$6,263/mo
Today · 4.125%
HK$242,615
baseline
▲ 0.50% · 4.625%
HK$255,403
+HK$12,788/mo
Deposit HK$5.04M · loan HK$45.37M · min. income ≈ HK$485,230/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,142,408 · Scale 2, in force from 26 Feb 2026)