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$114,515
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$118,077
−HK$3,619/mo
Today · 4.125%
HK$121,696
baseline
▲ 0.50% · 4.625%
HK$129,101
+HK$7,405/mo
Deposit HK$25.11M · loan HK$25.11M · min. income ≈ HK$243,392/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,134,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,397
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,814
−HK$3,466/mo
Today · 4.125%
HK$134,280
baseline
▲ 0.50% · 4.625%
HK$141,358
+HK$7,078/mo
Deposit HK$25.11M · loan HK$25.11M · min. income ≈ HK$268,560/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,134,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,418
−HK$8,618/mo
▼ 0.25% · 3.875%
HK$141,693
−HK$4,343/mo
Today · 4.125%
HK$146,036
baseline
▲ 0.50% · 4.625%
HK$154,922
+HK$8,886/mo
Deposit HK$20.09M · loan HK$30.13M · min. income ≈ HK$292,072/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$2,134,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,877
−HK$8,259/mo
▼ 0.25% · 3.875%
HK$156,977
−HK$4,159/mo
Today · 4.125%
HK$161,136
baseline
▲ 0.50% · 4.625%
HK$169,630
+HK$8,494/mo
Deposit HK$20.09M · loan HK$30.13M · min. income ≈ HK$322,272/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$2,134,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,322
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$165,308
−HK$5,067/mo
Today · 4.125%
HK$170,375
baseline
▲ 0.50% · 4.625%
HK$180,742
+HK$10,367/mo
Deposit HK$15.07M · loan HK$35.15M · min. income ≈ HK$340,750/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$2,134,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,356
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$183,139
−HK$4,853/mo
Today · 4.125%
HK$187,992
baseline
▲ 0.50% · 4.625%
HK$197,901
+HK$9,909/mo
Deposit HK$15.07M · loan HK$35.15M · min. income ≈ HK$375,984/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$2,134,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,128
−HK$12,926/mo
▼ 0.25% · 3.875%
HK$212,539
−HK$6,515/mo
Today · 4.125%
HK$219,054
baseline
▲ 0.50% · 4.625%
HK$232,383
+HK$13,329/mo
Deposit HK$5.02M · loan HK$45.20M · min. income ≈ HK$438,108/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,134,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,315
−HK$12,389/mo
▼ 0.25% · 3.875%
HK$235,465
−HK$6,239/mo
Today · 4.125%
HK$241,704
baseline
▲ 0.50% · 4.625%
HK$254,445
+HK$12,741/mo
Deposit HK$5.02M · loan HK$45.20M · min. income ≈ HK$483,408/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,134,367 · Scale 2, in force from 26 Feb 2026)