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$114,119
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,669
−HK$3,607/mo
Today · 4.125%
HK$121,276
baseline
▲ 0.50% · 4.625%
HK$128,655
+HK$7,379/mo
Deposit HK$25.02M · loan HK$25.02M · min. income ≈ HK$242,552/mo (50% DSR)
Upfront cash ≈ HK$27.15M (deposit + AVD stamp duty HK$2,126,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,957
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,361
−HK$3,455/mo
Today · 4.125%
HK$133,816
baseline
▲ 0.50% · 4.625%
HK$140,869
+HK$7,053/mo
Deposit HK$25.02M · loan HK$25.02M · min. income ≈ HK$267,632/mo (50% DSR)
Upfront cash ≈ HK$27.15M (deposit + AVD stamp duty HK$2,126,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,943
−HK$8,588/mo
▼ 0.25% · 3.875%
HK$141,203
−HK$4,328/mo
Today · 4.125%
HK$145,531
baseline
▲ 0.50% · 4.625%
HK$154,386
+HK$8,855/mo
Deposit HK$20.02M · loan HK$30.03M · min. income ≈ HK$291,062/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$2,126,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,348
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$156,434
−HK$4,145/mo
Today · 4.125%
HK$160,579
baseline
▲ 0.50% · 4.625%
HK$169,043
+HK$8,464/mo
Deposit HK$20.02M · loan HK$30.03M · min. income ≈ HK$321,158/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$2,126,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,767
−HK$10,019/mo
▼ 0.25% · 3.875%
HK$164,737
−HK$5,049/mo
Today · 4.125%
HK$169,786
baseline
▲ 0.50% · 4.625%
HK$180,117
+HK$10,331/mo
Deposit HK$15.01M · loan HK$35.03M · min. income ≈ HK$339,572/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$2,126,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,739
−HK$9,603/mo
▼ 0.25% · 3.875%
HK$182,506
−HK$4,836/mo
Today · 4.125%
HK$187,342
baseline
▲ 0.50% · 4.625%
HK$197,217
+HK$9,875/mo
Deposit HK$15.01M · loan HK$35.03M · min. income ≈ HK$374,684/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$2,126,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,415
−HK$12,881/mo
▼ 0.25% · 3.875%
HK$211,804
−HK$6,492/mo
Today · 4.125%
HK$218,296
baseline
▲ 0.50% · 4.625%
HK$231,579
+HK$13,283/mo
Deposit HK$5.00M · loan HK$45.04M · min. income ≈ HK$436,592/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,126,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,522
−HK$12,346/mo
▼ 0.25% · 3.875%
HK$234,651
−HK$6,217/mo
Today · 4.125%
HK$240,868
baseline
▲ 0.50% · 4.625%
HK$253,565
+HK$12,697/mo
Deposit HK$5.00M · loan HK$45.04M · min. income ≈ HK$481,736/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,126,984 · Scale 2, in force from 26 Feb 2026)