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$114,762
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$118,332
−HK$3,627/mo
Today · 4.125%
HK$121,959
baseline
▲ 0.50% · 4.625%
HK$129,380
+HK$7,421/mo
Deposit HK$25.16M · loan HK$25.16M · min. income ≈ HK$243,918/mo (50% DSR)
Upfront cash ≈ HK$27.30M (deposit + AVD stamp duty HK$2,138,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,672
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$131,096
−HK$3,474/mo
Today · 4.125%
HK$134,570
baseline
▲ 0.50% · 4.625%
HK$141,663
+HK$7,093/mo
Deposit HK$25.16M · loan HK$25.16M · min. income ≈ HK$269,140/mo (50% DSR)
Upfront cash ≈ HK$27.30M (deposit + AVD stamp duty HK$2,138,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,715
−HK$8,636/mo
▼ 0.25% · 3.875%
HK$141,999
−HK$4,352/mo
Today · 4.125%
HK$146,351
baseline
▲ 0.50% · 4.625%
HK$155,256
+HK$8,905/mo
Deposit HK$20.13M · loan HK$30.20M · min. income ≈ HK$292,702/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,138,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,206
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$157,315
−HK$4,169/mo
Today · 4.125%
HK$161,484
baseline
▲ 0.50% · 4.625%
HK$169,996
+HK$8,512/mo
Deposit HK$20.13M · loan HK$30.20M · min. income ≈ HK$322,968/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,138,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,667
−HK$10,076/mo
▼ 0.25% · 3.875%
HK$165,665
−HK$5,078/mo
Today · 4.125%
HK$170,743
baseline
▲ 0.50% · 4.625%
HK$181,132
+HK$10,389/mo
Deposit HK$15.10M · loan HK$35.23M · min. income ≈ HK$341,486/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$2,138,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,741
−HK$9,657/mo
▼ 0.25% · 3.875%
HK$183,535
−HK$4,863/mo
Today · 4.125%
HK$188,398
baseline
▲ 0.50% · 4.625%
HK$198,328
+HK$9,930/mo
Deposit HK$15.10M · loan HK$35.23M · min. income ≈ HK$376,796/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$2,138,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,572
−HK$12,954/mo
▼ 0.25% · 3.875%
HK$212,998
−HK$6,528/mo
Today · 4.125%
HK$219,526
baseline
▲ 0.50% · 4.625%
HK$232,884
+HK$13,358/mo
Deposit HK$5.03M · loan HK$45.30M · min. income ≈ HK$439,052/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,138,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,810
−HK$12,416/mo
▼ 0.25% · 3.875%
HK$235,973
−HK$6,253/mo
Today · 4.125%
HK$242,226
baseline
▲ 0.50% · 4.625%
HK$254,994
+HK$12,768/mo
Deposit HK$5.03M · loan HK$45.30M · min. income ≈ HK$484,452/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,138,972 · Scale 2, in force from 26 Feb 2026)