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$114,590
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$118,155
−HK$3,621/mo
Today · 4.125%
HK$121,776
baseline
▲ 0.50% · 4.625%
HK$129,186
+HK$7,410/mo
Deposit HK$25.13M · loan HK$25.13M · min. income ≈ HK$243,552/mo (50% DSR)
Upfront cash ≈ HK$27.26M (deposit + AVD stamp duty HK$2,135,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,480
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$130,899
−HK$3,469/mo
Today · 4.125%
HK$134,368
baseline
▲ 0.50% · 4.625%
HK$141,451
+HK$7,083/mo
Deposit HK$25.13M · loan HK$25.13M · min. income ≈ HK$268,736/mo (50% DSR)
Upfront cash ≈ HK$27.26M (deposit + AVD stamp duty HK$2,135,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,508
−HK$8,623/mo
▼ 0.25% · 3.875%
HK$141,786
−HK$4,345/mo
Today · 4.125%
HK$146,131
baseline
▲ 0.50% · 4.625%
HK$155,023
+HK$8,892/mo
Deposit HK$20.10M · loan HK$30.15M · min. income ≈ HK$292,262/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$2,135,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,977
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$157,079
−HK$4,162/mo
Today · 4.125%
HK$161,241
baseline
▲ 0.50% · 4.625%
HK$169,741
+HK$8,500/mo
Deposit HK$20.10M · loan HK$30.15M · min. income ≈ HK$322,482/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$2,135,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,426
−HK$10,060/mo
▼ 0.25% · 3.875%
HK$165,416
−HK$5,070/mo
Today · 4.125%
HK$170,486
baseline
▲ 0.50% · 4.625%
HK$180,860
+HK$10,374/mo
Deposit HK$15.08M · loan HK$35.18M · min. income ≈ HK$340,972/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$2,135,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,473
−HK$9,642/mo
▼ 0.25% · 3.875%
HK$183,259
−HK$4,856/mo
Today · 4.125%
HK$188,115
baseline
▲ 0.50% · 4.625%
HK$198,031
+HK$9,916/mo
Deposit HK$15.08M · loan HK$35.18M · min. income ≈ HK$376,230/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$2,135,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,262
−HK$12,935/mo
▼ 0.25% · 3.875%
HK$212,678
−HK$6,519/mo
Today · 4.125%
HK$219,197
baseline
▲ 0.50% · 4.625%
HK$232,534
+HK$13,337/mo
Deposit HK$5.03M · loan HK$45.23M · min. income ≈ HK$438,394/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,135,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,465
−HK$12,397/mo
▼ 0.25% · 3.875%
HK$235,619
−HK$6,243/mo
Today · 4.125%
HK$241,862
baseline
▲ 0.50% · 4.625%
HK$254,611
+HK$12,749/mo
Deposit HK$5.03M · loan HK$45.23M · min. income ≈ HK$483,724/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,135,762 · Scale 2, in force from 26 Feb 2026)