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$114,821
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$118,393
−HK$3,629/mo
Today · 4.125%
HK$122,022
baseline
▲ 0.50% · 4.625%
HK$129,447
+HK$7,425/mo
Deposit HK$25.18M · loan HK$25.18M · min. income ≈ HK$244,044/mo (50% DSR)
Upfront cash ≈ HK$27.32M (deposit + AVD stamp duty HK$2,140,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,738
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$131,164
−HK$3,475/mo
Today · 4.125%
HK$134,639
baseline
▲ 0.50% · 4.625%
HK$141,736
+HK$7,097/mo
Deposit HK$25.18M · loan HK$25.18M · min. income ≈ HK$269,278/mo (50% DSR)
Upfront cash ≈ HK$27.32M (deposit + AVD stamp duty HK$2,140,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,786
−HK$8,640/mo
▼ 0.25% · 3.875%
HK$142,072
−HK$4,354/mo
Today · 4.125%
HK$146,426
baseline
▲ 0.50% · 4.625%
HK$155,336
+HK$8,910/mo
Deposit HK$20.14M · loan HK$30.21M · min. income ≈ HK$292,852/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,140,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,285
−HK$8,282/mo
▼ 0.25% · 3.875%
HK$157,396
−HK$4,171/mo
Today · 4.125%
HK$161,567
baseline
▲ 0.50% · 4.625%
HK$170,083
+HK$8,516/mo
Deposit HK$20.14M · loan HK$30.21M · min. income ≈ HK$323,134/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,140,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,750
−HK$10,081/mo
▼ 0.25% · 3.875%
HK$165,750
−HK$5,081/mo
Today · 4.125%
HK$170,831
baseline
▲ 0.50% · 4.625%
HK$181,225
+HK$10,394/mo
Deposit HK$15.11M · loan HK$35.25M · min. income ≈ HK$341,662/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$2,140,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,833
−HK$9,662/mo
▼ 0.25% · 3.875%
HK$183,629
−HK$4,866/mo
Today · 4.125%
HK$188,495
baseline
▲ 0.50% · 4.625%
HK$198,430
+HK$9,935/mo
Deposit HK$15.11M · loan HK$35.25M · min. income ≈ HK$376,990/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$2,140,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,679
−HK$12,960/mo
▼ 0.25% · 3.875%
HK$213,108
−HK$6,531/mo
Today · 4.125%
HK$219,639
baseline
▲ 0.50% · 4.625%
HK$233,004
+HK$13,365/mo
Deposit HK$5.04M · loan HK$45.32M · min. income ≈ HK$439,278/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,140,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,928
−HK$12,422/mo
▼ 0.25% · 3.875%
HK$236,095
−HK$6,255/mo
Today · 4.125%
HK$242,350
baseline
▲ 0.50% · 4.625%
HK$255,125
+HK$12,775/mo
Deposit HK$5.04M · loan HK$45.32M · min. income ≈ HK$484,700/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,140,073 · Scale 2, in force from 26 Feb 2026)