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$114,835
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$118,407
−HK$3,630/mo
Today · 4.125%
HK$122,037
baseline
▲ 0.50% · 4.625%
HK$129,462
+HK$7,425/mo
Deposit HK$25.18M · loan HK$25.18M · min. income ≈ HK$244,074/mo (50% DSR)
Upfront cash ≈ HK$27.32M (deposit + AVD stamp duty HK$2,140,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,753
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$131,179
−HK$3,476/mo
Today · 4.125%
HK$134,655
baseline
▲ 0.50% · 4.625%
HK$141,753
+HK$7,098/mo
Deposit HK$25.18M · loan HK$25.18M · min. income ≈ HK$269,310/mo (50% DSR)
Upfront cash ≈ HK$27.32M (deposit + AVD stamp duty HK$2,140,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,802
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$142,089
−HK$4,355/mo
Today · 4.125%
HK$146,444
baseline
▲ 0.50% · 4.625%
HK$155,355
+HK$8,911/mo
Deposit HK$20.14M · loan HK$30.22M · min. income ≈ HK$292,888/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,140,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,304
−HK$8,282/mo
▼ 0.25% · 3.875%
HK$157,415
−HK$4,171/mo
Today · 4.125%
HK$161,586
baseline
▲ 0.50% · 4.625%
HK$170,104
+HK$8,518/mo
Deposit HK$20.14M · loan HK$30.22M · min. income ≈ HK$323,172/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,140,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,769
−HK$10,082/mo
▼ 0.25% · 3.875%
HK$165,770
−HK$5,081/mo
Today · 4.125%
HK$170,851
baseline
▲ 0.50% · 4.625%
HK$181,247
+HK$10,396/mo
Deposit HK$15.11M · loan HK$35.25M · min. income ≈ HK$341,702/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$2,140,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,854
−HK$9,663/mo
▼ 0.25% · 3.875%
HK$183,651
−HK$4,866/mo
Today · 4.125%
HK$188,517
baseline
▲ 0.50% · 4.625%
HK$198,454
+HK$9,937/mo
Deposit HK$15.11M · loan HK$35.25M · min. income ≈ HK$377,034/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$2,140,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,704
−HK$12,962/mo
▼ 0.25% · 3.875%
HK$213,133
−HK$6,533/mo
Today · 4.125%
HK$219,666
baseline
▲ 0.50% · 4.625%
HK$233,032
+HK$13,366/mo
Deposit HK$5.04M · loan HK$45.32M · min. income ≈ HK$439,332/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,140,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,956
−HK$12,423/mo
▼ 0.25% · 3.875%
HK$236,123
−HK$6,256/mo
Today · 4.125%
HK$242,379
baseline
▲ 0.50% · 4.625%
HK$255,156
+HK$12,777/mo
Deposit HK$5.04M · loan HK$45.32M · min. income ≈ HK$484,758/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,140,331 · Scale 2, in force from 26 Feb 2026)