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$114,324
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$117,880
−HK$3,613/mo
Today · 4.125%
HK$121,493
baseline
▲ 0.50% · 4.625%
HK$128,885
+HK$7,392/mo
Deposit HK$25.07M · loan HK$25.07M · min. income ≈ HK$242,986/mo (50% DSR)
Upfront cash ≈ HK$27.20M (deposit + AVD stamp duty HK$2,130,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,184
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,595
−HK$3,460/mo
Today · 4.125%
HK$134,055
baseline
▲ 0.50% · 4.625%
HK$141,122
+HK$7,067/mo
Deposit HK$25.07M · loan HK$25.07M · min. income ≈ HK$268,110/mo (50% DSR)
Upfront cash ≈ HK$27.20M (deposit + AVD stamp duty HK$2,130,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,189
−HK$8,602/mo
▼ 0.25% · 3.875%
HK$141,456
−HK$4,335/mo
Today · 4.125%
HK$145,791
baseline
▲ 0.50% · 4.625%
HK$154,663
+HK$8,872/mo
Deposit HK$20.05M · loan HK$30.08M · min. income ≈ HK$291,582/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$2,130,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,621
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$156,714
−HK$4,152/mo
Today · 4.125%
HK$160,866
baseline
▲ 0.50% · 4.625%
HK$169,346
+HK$8,480/mo
Deposit HK$20.05M · loan HK$30.08M · min. income ≈ HK$321,732/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$2,130,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,053
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$165,032
−HK$5,058/mo
Today · 4.125%
HK$170,090
baseline
▲ 0.50% · 4.625%
HK$180,440
+HK$10,350/mo
Deposit HK$15.04M · loan HK$35.10M · min. income ≈ HK$340,180/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$2,130,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,058
−HK$9,620/mo
▼ 0.25% · 3.875%
HK$182,833
−HK$4,845/mo
Today · 4.125%
HK$187,678
baseline
▲ 0.50% · 4.625%
HK$197,570
+HK$9,892/mo
Deposit HK$15.04M · loan HK$35.10M · min. income ≈ HK$375,356/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$2,130,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,783
−HK$12,904/mo
▼ 0.25% · 3.875%
HK$212,184
−HK$6,503/mo
Today · 4.125%
HK$218,687
baseline
▲ 0.50% · 4.625%
HK$231,994
+HK$13,307/mo
Deposit HK$5.01M · loan HK$45.12M · min. income ≈ HK$437,374/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,130,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,931
−HK$12,369/mo
▼ 0.25% · 3.875%
HK$235,071
−HK$6,229/mo
Today · 4.125%
HK$241,300
baseline
▲ 0.50% · 4.625%
HK$254,019
+HK$12,719/mo
Deposit HK$5.01M · loan HK$45.12M · min. income ≈ HK$482,600/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,130,796 · Scale 2, in force from 26 Feb 2026)