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$114,860
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$118,433
−HK$3,630/mo
Today · 4.125%
HK$122,063
baseline
▲ 0.50% · 4.625%
HK$129,490
+HK$7,427/mo
Deposit HK$25.19M · loan HK$25.19M · min. income ≈ HK$244,126/mo (50% DSR)
Upfront cash ≈ HK$27.33M (deposit + AVD stamp duty HK$2,140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,781
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$131,208
−HK$3,476/mo
Today · 4.125%
HK$134,684
baseline
▲ 0.50% · 4.625%
HK$141,784
+HK$7,100/mo
Deposit HK$25.19M · loan HK$25.19M · min. income ≈ HK$269,368/mo (50% DSR)
Upfront cash ≈ HK$27.33M (deposit + AVD stamp duty HK$2,140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,832
−HK$8,643/mo
▼ 0.25% · 3.875%
HK$142,119
−HK$4,356/mo
Today · 4.125%
HK$146,475
baseline
▲ 0.50% · 4.625%
HK$155,388
+HK$8,913/mo
Deposit HK$20.15M · loan HK$30.22M · min. income ≈ HK$292,950/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$2,140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,337
−HK$8,284/mo
▼ 0.25% · 3.875%
HK$157,449
−HK$4,172/mo
Today · 4.125%
HK$161,621
baseline
▲ 0.50% · 4.625%
HK$170,140
+HK$8,519/mo
Deposit HK$20.15M · loan HK$30.22M · min. income ≈ HK$323,242/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$2,140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,804
−HK$10,084/mo
▼ 0.25% · 3.875%
HK$165,806
−HK$5,082/mo
Today · 4.125%
HK$170,888
baseline
▲ 0.50% · 4.625%
HK$181,286
+HK$10,398/mo
Deposit HK$15.11M · loan HK$35.26M · min. income ≈ HK$341,776/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$2,140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,893
−HK$9,665/mo
▼ 0.25% · 3.875%
HK$183,691
−HK$4,867/mo
Today · 4.125%
HK$188,558
baseline
▲ 0.50% · 4.625%
HK$198,497
+HK$9,939/mo
Deposit HK$15.11M · loan HK$35.26M · min. income ≈ HK$377,116/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$2,140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,748
−HK$12,965/mo
▼ 0.25% · 3.875%
HK$213,179
−HK$6,534/mo
Today · 4.125%
HK$219,713
baseline
▲ 0.50% · 4.625%
HK$233,082
+HK$13,369/mo
Deposit HK$5.04M · loan HK$45.33M · min. income ≈ HK$439,426/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,005
−HK$12,427/mo
▼ 0.25% · 3.875%
HK$236,174
−HK$6,258/mo
Today · 4.125%
HK$242,432
baseline
▲ 0.50% · 4.625%
HK$255,211
+HK$12,779/mo
Deposit HK$5.04M · loan HK$45.33M · min. income ≈ HK$484,864/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,140,792 · Scale 2, in force from 26 Feb 2026)