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$114,381
−HK$7,173/mo
▼ 0.25% · 3.875%
HK$117,939
−HK$3,615/mo
Today · 4.125%
HK$121,554
baseline
▲ 0.50% · 4.625%
HK$128,950
+HK$7,396/mo
Deposit HK$25.08M · loan HK$25.08M · min. income ≈ HK$243,108/mo (50% DSR)
Upfront cash ≈ HK$27.21M (deposit + AVD stamp duty HK$2,131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,248
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$130,661
−HK$3,462/mo
Today · 4.125%
HK$134,123
baseline
▲ 0.50% · 4.625%
HK$141,192
+HK$7,069/mo
Deposit HK$25.08M · loan HK$25.08M · min. income ≈ HK$268,246/mo (50% DSR)
Upfront cash ≈ HK$27.21M (deposit + AVD stamp duty HK$2,131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,257
−HK$8,608/mo
▼ 0.25% · 3.875%
HK$141,527
−HK$4,338/mo
Today · 4.125%
HK$145,865
baseline
▲ 0.50% · 4.625%
HK$154,740
+HK$8,875/mo
Deposit HK$20.06M · loan HK$30.10M · min. income ≈ HK$291,730/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$2,131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,697
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$156,793
−HK$4,154/mo
Today · 4.125%
HK$160,947
baseline
▲ 0.50% · 4.625%
HK$169,431
+HK$8,484/mo
Deposit HK$20.06M · loan HK$30.10M · min. income ≈ HK$321,894/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$2,131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,133
−HK$10,042/mo
▼ 0.25% · 3.875%
HK$165,115
−HK$5,060/mo
Today · 4.125%
HK$170,175
baseline
▲ 0.50% · 4.625%
HK$180,530
+HK$10,355/mo
Deposit HK$15.05M · loan HK$35.11M · min. income ≈ HK$340,350/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$2,131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,147
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$182,925
−HK$4,847/mo
Today · 4.125%
HK$187,772
baseline
▲ 0.50% · 4.625%
HK$197,669
+HK$9,897/mo
Deposit HK$15.05M · loan HK$35.11M · min. income ≈ HK$375,544/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$2,131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,886
−HK$12,911/mo
▼ 0.25% · 3.875%
HK$212,290
−HK$6,507/mo
Today · 4.125%
HK$218,797
baseline
▲ 0.50% · 4.625%
HK$232,110
+HK$13,313/mo
Deposit HK$5.02M · loan HK$45.15M · min. income ≈ HK$437,594/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,046
−HK$12,375/mo
▼ 0.25% · 3.875%
HK$235,189
−HK$6,232/mo
Today · 4.125%
HK$241,421
baseline
▲ 0.50% · 4.625%
HK$254,146
+HK$12,725/mo
Deposit HK$5.02M · loan HK$45.15M · min. income ≈ HK$482,842/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,131,864 · Scale 2, in force from 26 Feb 2026)