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$114,786
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$118,357
−HK$3,627/mo
Today · 4.125%
HK$121,984
baseline
▲ 0.50% · 4.625%
HK$129,407
+HK$7,423/mo
Deposit HK$25.17M · loan HK$25.17M · min. income ≈ HK$243,968/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$2,139,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,699
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$131,123
−HK$3,475/mo
Today · 4.125%
HK$134,598
baseline
▲ 0.50% · 4.625%
HK$141,693
+HK$7,095/mo
Deposit HK$25.17M · loan HK$25.17M · min. income ≈ HK$269,196/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$2,139,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,744
−HK$8,637/mo
▼ 0.25% · 3.875%
HK$142,028
−HK$4,353/mo
Today · 4.125%
HK$146,381
baseline
▲ 0.50% · 4.625%
HK$155,288
+HK$8,907/mo
Deposit HK$20.14M · loan HK$30.20M · min. income ≈ HK$292,762/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,139,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,238
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$157,348
−HK$4,169/mo
Today · 4.125%
HK$161,517
baseline
▲ 0.50% · 4.625%
HK$170,031
+HK$8,514/mo
Deposit HK$20.14M · loan HK$30.20M · min. income ≈ HK$323,034/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,139,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,701
−HK$10,077/mo
▼ 0.25% · 3.875%
HK$165,700
−HK$5,078/mo
Today · 4.125%
HK$170,778
baseline
▲ 0.50% · 4.625%
HK$181,170
+HK$10,392/mo
Deposit HK$15.10M · loan HK$35.24M · min. income ≈ HK$341,556/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$2,139,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,778
−HK$9,659/mo
▼ 0.25% · 3.875%
HK$183,573
−HK$4,864/mo
Today · 4.125%
HK$188,437
baseline
▲ 0.50% · 4.625%
HK$198,370
+HK$9,933/mo
Deposit HK$15.10M · loan HK$35.24M · min. income ≈ HK$376,874/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$2,139,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,615
−HK$12,957/mo
▼ 0.25% · 3.875%
HK$213,042
−HK$6,530/mo
Today · 4.125%
HK$219,572
baseline
▲ 0.50% · 4.625%
HK$232,932
+HK$13,360/mo
Deposit HK$5.03M · loan HK$45.31M · min. income ≈ HK$439,144/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,139,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,858
−HK$12,418/mo
▼ 0.25% · 3.875%
HK$236,022
−HK$6,254/mo
Today · 4.125%
HK$242,276
baseline
▲ 0.50% · 4.625%
HK$255,047
+HK$12,771/mo
Deposit HK$5.03M · loan HK$45.31M · min. income ≈ HK$484,552/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,139,417 · Scale 2, in force from 26 Feb 2026)