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$114,803
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$118,374
−HK$3,628/mo
Today · 4.125%
HK$122,002
baseline
▲ 0.50% · 4.625%
HK$129,425
+HK$7,423/mo
Deposit HK$25.17M · loan HK$25.17M · min. income ≈ HK$244,004/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$2,139,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,717
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$131,142
−HK$3,475/mo
Today · 4.125%
HK$134,617
baseline
▲ 0.50% · 4.625%
HK$141,713
+HK$7,096/mo
Deposit HK$25.17M · loan HK$25.17M · min. income ≈ HK$269,234/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$2,139,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,763
−HK$8,639/mo
▼ 0.25% · 3.875%
HK$142,048
−HK$4,354/mo
Today · 4.125%
HK$146,402
baseline
▲ 0.50% · 4.625%
HK$155,310
+HK$8,908/mo
Deposit HK$20.14M · loan HK$30.21M · min. income ≈ HK$292,804/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,139,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,260
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$157,370
−HK$4,170/mo
Today · 4.125%
HK$161,540
baseline
▲ 0.50% · 4.625%
HK$170,055
+HK$8,515/mo
Deposit HK$20.14M · loan HK$30.21M · min. income ≈ HK$323,080/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,139,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,724
−HK$10,078/mo
▼ 0.25% · 3.875%
HK$165,723
−HK$5,079/mo
Today · 4.125%
HK$170,802
baseline
▲ 0.50% · 4.625%
HK$181,195
+HK$10,393/mo
Deposit HK$15.10M · loan HK$35.24M · min. income ≈ HK$341,604/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$2,139,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,803
−HK$9,661/mo
▼ 0.25% · 3.875%
HK$183,599
−HK$4,865/mo
Today · 4.125%
HK$188,464
baseline
▲ 0.50% · 4.625%
HK$198,398
+HK$9,934/mo
Deposit HK$15.10M · loan HK$35.24M · min. income ≈ HK$376,928/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$2,139,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,645
−HK$12,958/mo
▼ 0.25% · 3.875%
HK$213,072
−HK$6,531/mo
Today · 4.125%
HK$219,603
baseline
▲ 0.50% · 4.625%
HK$232,965
+HK$13,362/mo
Deposit HK$5.03M · loan HK$45.31M · min. income ≈ HK$439,206/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,139,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,890
−HK$12,420/mo
▼ 0.25% · 3.875%
HK$236,056
−HK$6,254/mo
Today · 4.125%
HK$242,310
baseline
▲ 0.50% · 4.625%
HK$255,083
+HK$12,773/mo
Deposit HK$5.03M · loan HK$45.31M · min. income ≈ HK$484,620/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,139,719 · Scale 2, in force from 26 Feb 2026)