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$114,271
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$117,826
−HK$3,611/mo
Today · 4.125%
HK$121,437
baseline
▲ 0.50% · 4.625%
HK$128,826
+HK$7,389/mo
Deposit HK$25.06M · loan HK$25.06M · min. income ≈ HK$242,874/mo (50% DSR)
Upfront cash ≈ HK$27.19M (deposit + AVD stamp duty HK$2,129,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,125
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$130,535
−HK$3,459/mo
Today · 4.125%
HK$133,994
baseline
▲ 0.50% · 4.625%
HK$141,057
+HK$7,063/mo
Deposit HK$25.06M · loan HK$25.06M · min. income ≈ HK$267,988/mo (50% DSR)
Upfront cash ≈ HK$27.19M (deposit + AVD stamp duty HK$2,129,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,125
−HK$8,599/mo
▼ 0.25% · 3.875%
HK$141,391
−HK$4,333/mo
Today · 4.125%
HK$145,724
baseline
▲ 0.50% · 4.625%
HK$154,591
+HK$8,867/mo
Deposit HK$20.05M · loan HK$30.07M · min. income ≈ HK$291,448/mo (50% DSR)
Upfront cash ≈ HK$22.18M (deposit + AVD stamp duty HK$2,129,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,550
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$156,642
−HK$4,150/mo
Today · 4.125%
HK$160,792
baseline
▲ 0.50% · 4.625%
HK$169,268
+HK$8,476/mo
Deposit HK$20.05M · loan HK$30.07M · min. income ≈ HK$321,584/mo (50% DSR)
Upfront cash ≈ HK$22.18M (deposit + AVD stamp duty HK$2,129,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,979
−HK$10,033/mo
▼ 0.25% · 3.875%
HK$164,956
−HK$5,056/mo
Today · 4.125%
HK$170,012
baseline
▲ 0.50% · 4.625%
HK$180,356
+HK$10,344/mo
Deposit HK$15.03M · loan HK$35.08M · min. income ≈ HK$340,024/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$2,129,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,976
−HK$9,615/mo
▼ 0.25% · 3.875%
HK$182,749
−HK$4,842/mo
Today · 4.125%
HK$187,591
baseline
▲ 0.50% · 4.625%
HK$197,479
+HK$9,888/mo
Deposit HK$15.03M · loan HK$35.08M · min. income ≈ HK$375,182/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$2,129,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,688
−HK$12,898/mo
▼ 0.25% · 3.875%
HK$212,086
−HK$6,500/mo
Today · 4.125%
HK$218,586
baseline
▲ 0.50% · 4.625%
HK$231,887
+HK$13,301/mo
Deposit HK$5.01M · loan HK$45.10M · min. income ≈ HK$437,172/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,129,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,826
−HK$12,362/mo
▼ 0.25% · 3.875%
HK$234,963
−HK$6,225/mo
Today · 4.125%
HK$241,188
baseline
▲ 0.50% · 4.625%
HK$253,902
+HK$12,714/mo
Deposit HK$5.01M · loan HK$45.10M · min. income ≈ HK$482,376/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,129,813 · Scale 2, in force from 26 Feb 2026)