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$114,465
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,025
−HK$3,618/mo
Today · 4.125%
HK$121,643
baseline
▲ 0.50% · 4.625%
HK$129,045
+HK$7,402/mo
Deposit HK$25.10M · loan HK$25.10M · min. income ≈ HK$243,286/mo (50% DSR)
Upfront cash ≈ HK$27.23M (deposit + AVD stamp duty HK$2,133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,341
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,756
−HK$3,465/mo
Today · 4.125%
HK$134,221
baseline
▲ 0.50% · 4.625%
HK$141,296
+HK$7,075/mo
Deposit HK$25.10M · loan HK$25.10M · min. income ≈ HK$268,442/mo (50% DSR)
Upfront cash ≈ HK$27.23M (deposit + AVD stamp duty HK$2,133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,358
−HK$8,613/mo
▼ 0.25% · 3.875%
HK$141,631
−HK$4,340/mo
Today · 4.125%
HK$145,971
baseline
▲ 0.50% · 4.625%
HK$154,853
+HK$8,882/mo
Deposit HK$20.08M · loan HK$30.12M · min. income ≈ HK$291,942/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$2,133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,809
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$156,908
−HK$4,157/mo
Today · 4.125%
HK$161,065
baseline
▲ 0.50% · 4.625%
HK$169,555
+HK$8,490/mo
Deposit HK$20.08M · loan HK$30.12M · min. income ≈ HK$322,130/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$2,133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,251
−HK$10,049/mo
▼ 0.25% · 3.875%
HK$165,236
−HK$5,064/mo
Today · 4.125%
HK$170,300
baseline
▲ 0.50% · 4.625%
HK$180,662
+HK$10,362/mo
Deposit HK$15.06M · loan HK$35.14M · min. income ≈ HK$340,600/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$2,133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,278
−HK$9,631/mo
▼ 0.25% · 3.875%
HK$183,059
−HK$4,850/mo
Today · 4.125%
HK$187,909
baseline
▲ 0.50% · 4.625%
HK$197,814
+HK$9,905/mo
Deposit HK$15.06M · loan HK$35.14M · min. income ≈ HK$375,818/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$2,133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,037
−HK$12,920/mo
▼ 0.25% · 3.875%
HK$212,446
−HK$6,511/mo
Today · 4.125%
HK$218,957
baseline
▲ 0.50% · 4.625%
HK$232,280
+HK$13,323/mo
Deposit HK$5.02M · loan HK$45.18M · min. income ≈ HK$437,914/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,214
−HK$12,384/mo
▼ 0.25% · 3.875%
HK$235,361
−HK$6,237/mo
Today · 4.125%
HK$241,598
baseline
▲ 0.50% · 4.625%
HK$254,333
+HK$12,735/mo
Deposit HK$5.02M · loan HK$45.18M · min. income ≈ HK$483,196/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,133,427 · Scale 2, in force from 26 Feb 2026)