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$114,677
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$118,245
−HK$3,624/mo
Today · 4.125%
HK$121,869
baseline
▲ 0.50% · 4.625%
HK$129,284
+HK$7,415/mo
Deposit HK$25.15M · loan HK$25.15M · min. income ≈ HK$243,738/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$2,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,577
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$130,999
−HK$3,471/mo
Today · 4.125%
HK$134,470
baseline
▲ 0.50% · 4.625%
HK$141,558
+HK$7,088/mo
Deposit HK$25.15M · loan HK$25.15M · min. income ≈ HK$268,940/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$2,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,613
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,893
−HK$4,349/mo
Today · 4.125%
HK$146,242
baseline
▲ 0.50% · 4.625%
HK$155,141
+HK$8,899/mo
Deposit HK$20.12M · loan HK$30.17M · min. income ≈ HK$292,484/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$2,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,093
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$157,199
−HK$4,165/mo
Today · 4.125%
HK$161,364
baseline
▲ 0.50% · 4.625%
HK$169,870
+HK$8,506/mo
Deposit HK$20.12M · loan HK$30.17M · min. income ≈ HK$322,728/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$2,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,548
−HK$10,068/mo
▼ 0.25% · 3.875%
HK$165,542
−HK$5,074/mo
Today · 4.125%
HK$170,616
baseline
▲ 0.50% · 4.625%
HK$180,998
+HK$10,382/mo
Deposit HK$15.09M · loan HK$35.20M · min. income ≈ HK$341,232/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$2,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,608
−HK$9,650/mo
▼ 0.25% · 3.875%
HK$183,399
−HK$4,859/mo
Today · 4.125%
HK$188,258
baseline
▲ 0.50% · 4.625%
HK$198,181
+HK$9,923/mo
Deposit HK$15.09M · loan HK$35.20M · min. income ≈ HK$376,516/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$2,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,419
−HK$12,945/mo
▼ 0.25% · 3.875%
HK$212,840
−HK$6,524/mo
Today · 4.125%
HK$219,364
baseline
▲ 0.50% · 4.625%
HK$232,711
+HK$13,347/mo
Deposit HK$5.03M · loan HK$45.26M · min. income ≈ HK$438,728/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,137,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,639
−HK$12,407/mo
▼ 0.25% · 3.875%
HK$235,798
−HK$6,248/mo
Today · 4.125%
HK$242,046
baseline
▲ 0.50% · 4.625%
HK$254,805
+HK$12,759/mo
Deposit HK$5.03M · loan HK$45.26M · min. income ≈ HK$484,092/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,137,387 · Scale 2, in force from 26 Feb 2026)