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$114,585
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$118,150
−HK$3,621/mo
Today · 4.125%
HK$121,771
baseline
▲ 0.50% · 4.625%
HK$129,180
+HK$7,409/mo
Deposit HK$25.13M · loan HK$25.13M · min. income ≈ HK$243,542/mo (50% DSR)
Upfront cash ≈ HK$27.26M (deposit + AVD stamp duty HK$2,135,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,475
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$130,894
−HK$3,468/mo
Today · 4.125%
HK$134,362
baseline
▲ 0.50% · 4.625%
HK$141,445
+HK$7,083/mo
Deposit HK$25.13M · loan HK$25.13M · min. income ≈ HK$268,724/mo (50% DSR)
Upfront cash ≈ HK$27.26M (deposit + AVD stamp duty HK$2,135,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,502
−HK$8,623/mo
▼ 0.25% · 3.875%
HK$141,780
−HK$4,345/mo
Today · 4.125%
HK$146,125
baseline
▲ 0.50% · 4.625%
HK$155,016
+HK$8,891/mo
Deposit HK$20.10M · loan HK$30.15M · min. income ≈ HK$292,250/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$2,135,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,970
−HK$8,265/mo
▼ 0.25% · 3.875%
HK$157,073
−HK$4,162/mo
Today · 4.125%
HK$161,235
baseline
▲ 0.50% · 4.625%
HK$169,734
+HK$8,499/mo
Deposit HK$20.10M · loan HK$30.15M · min. income ≈ HK$322,470/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$2,135,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,420
−HK$10,059/mo
▼ 0.25% · 3.875%
HK$165,409
−HK$5,070/mo
Today · 4.125%
HK$170,479
baseline
▲ 0.50% · 4.625%
HK$180,853
+HK$10,374/mo
Deposit HK$15.08M · loan HK$35.18M · min. income ≈ HK$340,958/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$2,135,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,465
−HK$9,642/mo
▼ 0.25% · 3.875%
HK$183,251
−HK$4,856/mo
Today · 4.125%
HK$188,107
baseline
▲ 0.50% · 4.625%
HK$198,022
+HK$9,915/mo
Deposit HK$15.08M · loan HK$35.18M · min. income ≈ HK$376,214/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$2,135,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,254
−HK$12,934/mo
▼ 0.25% · 3.875%
HK$212,669
−HK$6,519/mo
Today · 4.125%
HK$219,188
baseline
▲ 0.50% · 4.625%
HK$232,525
+HK$13,337/mo
Deposit HK$5.03M · loan HK$45.23M · min. income ≈ HK$438,376/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,135,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,455
−HK$12,397/mo
▼ 0.25% · 3.875%
HK$235,609
−HK$6,243/mo
Today · 4.125%
HK$241,852
baseline
▲ 0.50% · 4.625%
HK$254,600
+HK$12,748/mo
Deposit HK$5.03M · loan HK$45.23M · min. income ≈ HK$483,704/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,135,672 · Scale 2, in force from 26 Feb 2026)