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$114,426
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$117,985
−HK$3,616/mo
Today · 4.125%
HK$121,601
baseline
▲ 0.50% · 4.625%
HK$129,001
+HK$7,400/mo
Deposit HK$25.09M · loan HK$25.09M · min. income ≈ HK$243,202/mo (50% DSR)
Upfront cash ≈ HK$27.22M (deposit + AVD stamp duty HK$2,132,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,298
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$130,712
−HK$3,463/mo
Today · 4.125%
HK$134,175
baseline
▲ 0.50% · 4.625%
HK$141,248
+HK$7,073/mo
Deposit HK$25.09M · loan HK$25.09M · min. income ≈ HK$268,350/mo (50% DSR)
Upfront cash ≈ HK$27.22M (deposit + AVD stamp duty HK$2,132,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,311
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$141,582
−HK$4,340/mo
Today · 4.125%
HK$145,922
baseline
▲ 0.50% · 4.625%
HK$154,801
+HK$8,879/mo
Deposit HK$20.07M · loan HK$30.11M · min. income ≈ HK$291,844/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$2,132,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,757
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$156,854
−HK$4,156/mo
Today · 4.125%
HK$161,010
baseline
▲ 0.50% · 4.625%
HK$169,497
+HK$8,487/mo
Deposit HK$20.07M · loan HK$30.11M · min. income ≈ HK$322,020/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$2,132,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,196
−HK$10,046/mo
▼ 0.25% · 3.875%
HK$165,179
−HK$5,063/mo
Today · 4.125%
HK$170,242
baseline
▲ 0.50% · 4.625%
HK$180,601
+HK$10,359/mo
Deposit HK$15.05M · loan HK$35.13M · min. income ≈ HK$340,484/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$2,132,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,217
−HK$9,628/mo
▼ 0.25% · 3.875%
HK$182,997
−HK$4,848/mo
Today · 4.125%
HK$187,845
baseline
▲ 0.50% · 4.625%
HK$197,747
+HK$9,902/mo
Deposit HK$15.05M · loan HK$35.13M · min. income ≈ HK$375,690/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$2,132,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,967
−HK$12,916/mo
▼ 0.25% · 3.875%
HK$212,373
−HK$6,510/mo
Today · 4.125%
HK$218,883
baseline
▲ 0.50% · 4.625%
HK$232,201
+HK$13,318/mo
Deposit HK$5.02M · loan HK$45.16M · min. income ≈ HK$437,766/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,132,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,136
−HK$12,379/mo
▼ 0.25% · 3.875%
HK$235,281
−HK$6,234/mo
Today · 4.125%
HK$241,515
baseline
▲ 0.50% · 4.625%
HK$254,246
+HK$12,731/mo
Deposit HK$5.02M · loan HK$45.16M · min. income ≈ HK$483,030/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,132,701 · Scale 2, in force from 26 Feb 2026)