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$114,216
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$117,768
−HK$3,610/mo
Today · 4.125%
HK$121,378
baseline
▲ 0.50% · 4.625%
HK$128,763
+HK$7,385/mo
Deposit HK$25.04M · loan HK$25.04M · min. income ≈ HK$242,756/mo (50% DSR)
Upfront cash ≈ HK$27.17M (deposit + AVD stamp duty HK$2,128,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,064
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,471
−HK$3,458/mo
Today · 4.125%
HK$133,929
baseline
▲ 0.50% · 4.625%
HK$140,988
+HK$7,059/mo
Deposit HK$25.04M · loan HK$25.04M · min. income ≈ HK$267,858/mo (50% DSR)
Upfront cash ≈ HK$27.17M (deposit + AVD stamp duty HK$2,128,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,059
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$141,322
−HK$4,331/mo
Today · 4.125%
HK$145,653
baseline
▲ 0.50% · 4.625%
HK$154,516
+HK$8,863/mo
Deposit HK$20.04M · loan HK$30.05M · min. income ≈ HK$291,306/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$2,128,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,476
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$156,566
−HK$4,148/mo
Today · 4.125%
HK$160,714
baseline
▲ 0.50% · 4.625%
HK$169,186
+HK$8,472/mo
Deposit HK$20.04M · loan HK$30.05M · min. income ≈ HK$321,428/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$2,128,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,902
−HK$10,027/mo
▼ 0.25% · 3.875%
HK$164,876
−HK$5,053/mo
Today · 4.125%
HK$169,929
baseline
▲ 0.50% · 4.625%
HK$180,269
+HK$10,340/mo
Deposit HK$15.03M · loan HK$35.06M · min. income ≈ HK$339,858/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$2,128,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,889
−HK$9,611/mo
▼ 0.25% · 3.875%
HK$182,660
−HK$4,840/mo
Today · 4.125%
HK$187,500
baseline
▲ 0.50% · 4.625%
HK$197,383
+HK$9,883/mo
Deposit HK$15.03M · loan HK$35.06M · min. income ≈ HK$375,000/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$2,128,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,588
−HK$12,892/mo
▼ 0.25% · 3.875%
HK$211,983
−HK$6,497/mo
Today · 4.125%
HK$218,480
baseline
▲ 0.50% · 4.625%
HK$231,774
+HK$13,294/mo
Deposit HK$5.01M · loan HK$45.08M · min. income ≈ HK$436,960/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,128,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,715
−HK$12,356/mo
▼ 0.25% · 3.875%
HK$234,849
−HK$6,222/mo
Today · 4.125%
HK$241,071
baseline
▲ 0.50% · 4.625%
HK$253,779
+HK$12,708/mo
Deposit HK$5.01M · loan HK$45.08M · min. income ≈ HK$482,142/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,128,779 · Scale 2, in force from 26 Feb 2026)