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$114,850
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$118,422
−HK$3,630/mo
Today · 4.125%
HK$122,052
baseline
▲ 0.50% · 4.625%
HK$129,478
+HK$7,426/mo
Deposit HK$25.18M · loan HK$25.18M · min. income ≈ HK$244,104/mo (50% DSR)
Upfront cash ≈ HK$27.32M (deposit + AVD stamp duty HK$2,140,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,769
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$131,196
−HK$3,476/mo
Today · 4.125%
HK$134,672
baseline
▲ 0.50% · 4.625%
HK$141,771
+HK$7,099/mo
Deposit HK$25.18M · loan HK$25.18M · min. income ≈ HK$269,344/mo (50% DSR)
Upfront cash ≈ HK$27.32M (deposit + AVD stamp duty HK$2,140,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,820
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$142,107
−HK$4,355/mo
Today · 4.125%
HK$146,462
baseline
▲ 0.50% · 4.625%
HK$155,374
+HK$8,912/mo
Deposit HK$20.15M · loan HK$30.22M · min. income ≈ HK$292,924/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$2,140,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,323
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$157,435
−HK$4,171/mo
Today · 4.125%
HK$161,606
baseline
▲ 0.50% · 4.625%
HK$170,125
+HK$8,519/mo
Deposit HK$20.15M · loan HK$30.22M · min. income ≈ HK$323,212/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$2,140,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,789
−HK$10,083/mo
▼ 0.25% · 3.875%
HK$165,791
−HK$5,081/mo
Today · 4.125%
HK$170,872
baseline
▲ 0.50% · 4.625%
HK$181,270
+HK$10,398/mo
Deposit HK$15.11M · loan HK$35.26M · min. income ≈ HK$341,744/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$2,140,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,877
−HK$9,664/mo
▼ 0.25% · 3.875%
HK$183,674
−HK$4,867/mo
Today · 4.125%
HK$188,541
baseline
▲ 0.50% · 4.625%
HK$198,479
+HK$9,938/mo
Deposit HK$15.11M · loan HK$35.26M · min. income ≈ HK$377,082/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$2,140,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,729
−HK$12,964/mo
▼ 0.25% · 3.875%
HK$213,160
−HK$6,533/mo
Today · 4.125%
HK$219,693
baseline
▲ 0.50% · 4.625%
HK$233,061
+HK$13,368/mo
Deposit HK$5.04M · loan HK$45.33M · min. income ≈ HK$439,386/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,140,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,984
−HK$12,426/mo
▼ 0.25% · 3.875%
HK$236,152
−HK$6,258/mo
Today · 4.125%
HK$242,410
baseline
▲ 0.50% · 4.625%
HK$255,187
+HK$12,777/mo
Deposit HK$5.04M · loan HK$45.33M · min. income ≈ HK$484,820/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,140,597 · Scale 2, in force from 26 Feb 2026)