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$114,171
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,723
−HK$3,608/mo
Today · 4.125%
HK$121,331
baseline
▲ 0.50% · 4.625%
HK$128,713
+HK$7,382/mo
Deposit HK$25.03M · loan HK$25.03M · min. income ≈ HK$242,662/mo (50% DSR)
Upfront cash ≈ HK$27.16M (deposit + AVD stamp duty HK$2,127,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,014
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$130,421
−HK$3,456/mo
Today · 4.125%
HK$133,877
baseline
▲ 0.50% · 4.625%
HK$140,933
+HK$7,056/mo
Deposit HK$25.03M · loan HK$25.03M · min. income ≈ HK$267,754/mo (50% DSR)
Upfront cash ≈ HK$27.16M (deposit + AVD stamp duty HK$2,127,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,005
−HK$8,592/mo
▼ 0.25% · 3.875%
HK$141,267
−HK$4,330/mo
Today · 4.125%
HK$145,597
baseline
▲ 0.50% · 4.625%
HK$154,456
+HK$8,859/mo
Deposit HK$20.03M · loan HK$30.04M · min. income ≈ HK$291,194/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$2,127,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,417
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$156,505
−HK$4,147/mo
Today · 4.125%
HK$160,652
baseline
▲ 0.50% · 4.625%
HK$169,120
+HK$8,468/mo
Deposit HK$20.03M · loan HK$30.04M · min. income ≈ HK$321,304/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$2,127,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,840
−HK$10,023/mo
▼ 0.25% · 3.875%
HK$164,812
−HK$5,051/mo
Today · 4.125%
HK$169,863
baseline
▲ 0.50% · 4.625%
HK$180,199
+HK$10,336/mo
Deposit HK$15.02M · loan HK$35.05M · min. income ≈ HK$339,726/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$2,127,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,820
−HK$9,607/mo
▼ 0.25% · 3.875%
HK$182,589
−HK$4,838/mo
Today · 4.125%
HK$187,427
baseline
▲ 0.50% · 4.625%
HK$197,307
+HK$9,880/mo
Deposit HK$15.02M · loan HK$35.05M · min. income ≈ HK$374,854/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$2,127,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,508
−HK$12,887/mo
▼ 0.25% · 3.875%
HK$211,901
−HK$6,494/mo
Today · 4.125%
HK$218,395
baseline
▲ 0.50% · 4.625%
HK$231,684
+HK$13,289/mo
Deposit HK$5.01M · loan HK$45.06M · min. income ≈ HK$436,790/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,127,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,626
−HK$12,352/mo
▼ 0.25% · 3.875%
HK$234,757
−HK$6,221/mo
Today · 4.125%
HK$240,978
baseline
▲ 0.50% · 4.625%
HK$253,680
+HK$12,702/mo
Deposit HK$5.01M · loan HK$45.06M · min. income ≈ HK$481,956/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,127,952 · Scale 2, in force from 26 Feb 2026)