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$114,214
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$117,766
−HK$3,610/mo
Today · 4.125%
HK$121,376
baseline
▲ 0.50% · 4.625%
HK$128,761
+HK$7,385/mo
Deposit HK$25.04M · loan HK$25.04M · min. income ≈ HK$242,752/mo (50% DSR)
Upfront cash ≈ HK$27.17M (deposit + AVD stamp duty HK$2,128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,062
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$130,469
−HK$3,457/mo
Today · 4.125%
HK$133,926
baseline
▲ 0.50% · 4.625%
HK$140,986
+HK$7,060/mo
Deposit HK$25.04M · loan HK$25.04M · min. income ≈ HK$267,852/mo (50% DSR)
Upfront cash ≈ HK$27.17M (deposit + AVD stamp duty HK$2,128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,057
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$141,320
−HK$4,331/mo
Today · 4.125%
HK$145,651
baseline
▲ 0.50% · 4.625%
HK$154,514
+HK$8,863/mo
Deposit HK$20.04M · loan HK$30.05M · min. income ≈ HK$291,302/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$2,128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,474
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$156,563
−HK$4,149/mo
Today · 4.125%
HK$160,712
baseline
▲ 0.50% · 4.625%
HK$169,183
+HK$8,471/mo
Deposit HK$20.04M · loan HK$30.05M · min. income ≈ HK$321,424/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$2,128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,899
−HK$10,027/mo
▼ 0.25% · 3.875%
HK$164,873
−HK$5,053/mo
Today · 4.125%
HK$169,926
baseline
▲ 0.50% · 4.625%
HK$180,266
+HK$10,340/mo
Deposit HK$15.03M · loan HK$35.06M · min. income ≈ HK$339,852/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$2,128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,886
−HK$9,611/mo
▼ 0.25% · 3.875%
HK$182,657
−HK$4,840/mo
Today · 4.125%
HK$187,497
baseline
▲ 0.50% · 4.625%
HK$197,380
+HK$9,883/mo
Deposit HK$15.03M · loan HK$35.06M · min. income ≈ HK$374,994/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$2,128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,585
−HK$12,892/mo
▼ 0.25% · 3.875%
HK$211,980
−HK$6,497/mo
Today · 4.125%
HK$218,477
baseline
▲ 0.50% · 4.625%
HK$231,771
+HK$13,294/mo
Deposit HK$5.01M · loan HK$45.08M · min. income ≈ HK$436,954/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,128,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,711
−HK$12,357/mo
▼ 0.25% · 3.875%
HK$234,845
−HK$6,223/mo
Today · 4.125%
HK$241,068
baseline
▲ 0.50% · 4.625%
HK$253,775
+HK$12,707/mo
Deposit HK$5.01M · loan HK$45.08M · min. income ≈ HK$482,136/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,128,746 · Scale 2, in force from 26 Feb 2026)