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$114,078
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$117,626
−HK$3,605/mo
Today · 4.125%
HK$121,231
baseline
▲ 0.50% · 4.625%
HK$128,608
+HK$7,377/mo
Deposit HK$25.01M · loan HK$25.01M · min. income ≈ HK$242,462/mo (50% DSR)
Upfront cash ≈ HK$27.14M (deposit + AVD stamp duty HK$2,126,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,910
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$130,314
−HK$3,453/mo
Today · 4.125%
HK$133,767
baseline
▲ 0.50% · 4.625%
HK$140,818
+HK$7,051/mo
Deposit HK$25.01M · loan HK$25.01M · min. income ≈ HK$267,534/mo (50% DSR)
Upfront cash ≈ HK$27.14M (deposit + AVD stamp duty HK$2,126,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,893
−HK$8,585/mo
▼ 0.25% · 3.875%
HK$141,151
−HK$4,327/mo
Today · 4.125%
HK$145,478
baseline
▲ 0.50% · 4.625%
HK$154,330
+HK$8,852/mo
Deposit HK$20.01M · loan HK$30.02M · min. income ≈ HK$290,956/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$2,126,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,292
−HK$8,228/mo
▼ 0.25% · 3.875%
HK$156,377
−HK$4,143/mo
Today · 4.125%
HK$160,520
baseline
▲ 0.50% · 4.625%
HK$168,982
+HK$8,462/mo
Deposit HK$20.01M · loan HK$30.02M · min. income ≈ HK$321,040/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$2,126,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,709
−HK$10,015/mo
▼ 0.25% · 3.875%
HK$164,677
−HK$5,047/mo
Today · 4.125%
HK$169,724
baseline
▲ 0.50% · 4.625%
HK$180,051
+HK$10,327/mo
Deposit HK$15.01M · loan HK$35.02M · min. income ≈ HK$339,448/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$2,126,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,674
−HK$9,600/mo
▼ 0.25% · 3.875%
HK$182,440
−HK$4,834/mo
Today · 4.125%
HK$187,274
baseline
▲ 0.50% · 4.625%
HK$197,145
+HK$9,871/mo
Deposit HK$15.01M · loan HK$35.02M · min. income ≈ HK$374,548/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$2,126,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,340
−HK$12,877/mo
▼ 0.25% · 3.875%
HK$211,727
−HK$6,490/mo
Today · 4.125%
HK$218,217
baseline
▲ 0.50% · 4.625%
HK$231,494
+HK$13,277/mo
Deposit HK$5.00M · loan HK$45.03M · min. income ≈ HK$436,434/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,126,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,439
−HK$12,341/mo
▼ 0.25% · 3.875%
HK$234,565
−HK$6,215/mo
Today · 4.125%
HK$240,780
baseline
▲ 0.50% · 4.625%
HK$253,472
+HK$12,692/mo
Deposit HK$5.00M · loan HK$45.03M · min. income ≈ HK$481,560/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,126,210 · Scale 2, in force from 26 Feb 2026)