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$114,243
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$117,797
−HK$3,610/mo
Today · 4.125%
HK$121,407
baseline
▲ 0.50% · 4.625%
HK$128,794
+HK$7,387/mo
Deposit HK$25.05M · loan HK$25.05M · min. income ≈ HK$242,814/mo (50% DSR)
Upfront cash ≈ HK$27.18M (deposit + AVD stamp duty HK$2,129,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,094
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$130,503
−HK$3,458/mo
Today · 4.125%
HK$133,961
baseline
▲ 0.50% · 4.625%
HK$141,022
+HK$7,061/mo
Deposit HK$25.05M · loan HK$25.05M · min. income ≈ HK$267,922/mo (50% DSR)
Upfront cash ≈ HK$27.18M (deposit + AVD stamp duty HK$2,129,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,092
−HK$8,597/mo
▼ 0.25% · 3.875%
HK$141,356
−HK$4,333/mo
Today · 4.125%
HK$145,689
baseline
▲ 0.50% · 4.625%
HK$154,553
+HK$8,864/mo
Deposit HK$20.04M · loan HK$30.06M · min. income ≈ HK$291,378/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$2,129,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,513
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$156,603
−HK$4,150/mo
Today · 4.125%
HK$160,753
baseline
▲ 0.50% · 4.625%
HK$169,226
+HK$8,473/mo
Deposit HK$20.04M · loan HK$30.06M · min. income ≈ HK$321,506/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$2,129,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,940
−HK$10,030/mo
▼ 0.25% · 3.875%
HK$164,915
−HK$5,055/mo
Today · 4.125%
HK$169,970
baseline
▲ 0.50% · 4.625%
HK$180,312
+HK$10,342/mo
Deposit HK$15.03M · loan HK$35.07M · min. income ≈ HK$339,940/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$2,129,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,932
−HK$9,613/mo
▼ 0.25% · 3.875%
HK$182,704
−HK$4,841/mo
Today · 4.125%
HK$187,545
baseline
▲ 0.50% · 4.625%
HK$197,431
+HK$9,886/mo
Deposit HK$15.03M · loan HK$35.07M · min. income ≈ HK$375,090/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$2,129,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,638
−HK$12,895/mo
▼ 0.25% · 3.875%
HK$212,034
−HK$6,499/mo
Today · 4.125%
HK$218,533
baseline
▲ 0.50% · 4.625%
HK$231,830
+HK$13,297/mo
Deposit HK$5.01M · loan HK$45.09M · min. income ≈ HK$437,066/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,129,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,770
−HK$12,359/mo
▼ 0.25% · 3.875%
HK$234,905
−HK$6,224/mo
Today · 4.125%
HK$241,129
baseline
▲ 0.50% · 4.625%
HK$253,840
+HK$12,711/mo
Deposit HK$5.01M · loan HK$45.09M · min. income ≈ HK$482,258/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,129,292 · Scale 2, in force from 26 Feb 2026)