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$114,903
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$118,477
−HK$3,631/mo
Today · 4.125%
HK$122,108
baseline
▲ 0.50% · 4.625%
HK$129,538
+HK$7,430/mo
Deposit HK$25.20M · loan HK$25.20M · min. income ≈ HK$244,216/mo (50% DSR)
Upfront cash ≈ HK$27.34M (deposit + AVD stamp duty HK$2,141,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,828
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$131,257
−HK$3,478/mo
Today · 4.125%
HK$134,735
baseline
▲ 0.50% · 4.625%
HK$141,837
+HK$7,102/mo
Deposit HK$25.20M · loan HK$25.20M · min. income ≈ HK$269,470/mo (50% DSR)
Upfront cash ≈ HK$27.34M (deposit + AVD stamp duty HK$2,141,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,884
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$142,173
−HK$4,357/mo
Today · 4.125%
HK$146,530
baseline
▲ 0.50% · 4.625%
HK$155,446
+HK$8,916/mo
Deposit HK$20.16M · loan HK$30.23M · min. income ≈ HK$293,060/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$2,141,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,394
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$157,508
−HK$4,174/mo
Today · 4.125%
HK$161,682
baseline
▲ 0.50% · 4.625%
HK$170,204
+HK$8,522/mo
Deposit HK$20.16M · loan HK$30.23M · min. income ≈ HK$323,364/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$2,141,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,864
−HK$10,088/mo
▼ 0.25% · 3.875%
HK$165,868
−HK$5,084/mo
Today · 4.125%
HK$170,952
baseline
▲ 0.50% · 4.625%
HK$181,354
+HK$10,402/mo
Deposit HK$15.12M · loan HK$35.27M · min. income ≈ HK$341,904/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$2,141,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,960
−HK$9,668/mo
▼ 0.25% · 3.875%
HK$183,759
−HK$4,869/mo
Today · 4.125%
HK$188,628
baseline
▲ 0.50% · 4.625%
HK$198,571
+HK$9,943/mo
Deposit HK$15.12M · loan HK$35.27M · min. income ≈ HK$377,256/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$2,141,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,825
−HK$12,970/mo
▼ 0.25% · 3.875%
HK$213,259
−HK$6,536/mo
Today · 4.125%
HK$219,795
baseline
▲ 0.50% · 4.625%
HK$233,169
+HK$13,374/mo
Deposit HK$5.04M · loan HK$45.35M · min. income ≈ HK$439,590/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,141,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,091
−HK$12,431/mo
▼ 0.25% · 3.875%
HK$236,262
−HK$6,260/mo
Today · 4.125%
HK$242,522
baseline
▲ 0.50% · 4.625%
HK$255,306
+HK$12,784/mo
Deposit HK$5.04M · loan HK$45.35M · min. income ≈ HK$485,044/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,141,591 · Scale 2, in force from 26 Feb 2026)