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$114,848
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$118,420
−HK$3,630/mo
Today · 4.125%
HK$122,050
baseline
▲ 0.50% · 4.625%
HK$129,476
+HK$7,426/mo
Deposit HK$25.18M · loan HK$25.18M · min. income ≈ HK$244,100/mo (50% DSR)
Upfront cash ≈ HK$27.32M (deposit + AVD stamp duty HK$2,140,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,767
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$131,194
−HK$3,476/mo
Today · 4.125%
HK$134,670
baseline
▲ 0.50% · 4.625%
HK$141,768
+HK$7,098/mo
Deposit HK$25.18M · loan HK$25.18M · min. income ≈ HK$269,340/mo (50% DSR)
Upfront cash ≈ HK$27.32M (deposit + AVD stamp duty HK$2,140,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,817
−HK$8,643/mo
▼ 0.25% · 3.875%
HK$142,104
−HK$4,356/mo
Today · 4.125%
HK$146,460
baseline
▲ 0.50% · 4.625%
HK$155,371
+HK$8,911/mo
Deposit HK$20.15M · loan HK$30.22M · min. income ≈ HK$292,920/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$2,140,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,320
−HK$8,284/mo
▼ 0.25% · 3.875%
HK$157,432
−HK$4,172/mo
Today · 4.125%
HK$161,604
baseline
▲ 0.50% · 4.625%
HK$170,122
+HK$8,518/mo
Deposit HK$20.15M · loan HK$30.22M · min. income ≈ HK$323,208/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$2,140,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,787
−HK$10,083/mo
▼ 0.25% · 3.875%
HK$165,788
−HK$5,082/mo
Today · 4.125%
HK$170,870
baseline
▲ 0.50% · 4.625%
HK$181,267
+HK$10,397/mo
Deposit HK$15.11M · loan HK$35.26M · min. income ≈ HK$341,740/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$2,140,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,874
−HK$9,664/mo
▼ 0.25% · 3.875%
HK$183,671
−HK$4,867/mo
Today · 4.125%
HK$188,538
baseline
▲ 0.50% · 4.625%
HK$198,476
+HK$9,938/mo
Deposit HK$15.11M · loan HK$35.26M · min. income ≈ HK$377,076/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$2,140,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,726
−HK$12,964/mo
▼ 0.25% · 3.875%
HK$213,156
−HK$6,534/mo
Today · 4.125%
HK$219,690
baseline
▲ 0.50% · 4.625%
HK$233,057
+HK$13,367/mo
Deposit HK$5.04M · loan HK$45.33M · min. income ≈ HK$439,380/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,140,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,981
−HK$12,425/mo
▼ 0.25% · 3.875%
HK$236,149
−HK$6,257/mo
Today · 4.125%
HK$242,406
baseline
▲ 0.50% · 4.625%
HK$255,183
+HK$12,777/mo
Deposit HK$5.04M · loan HK$45.33M · min. income ≈ HK$484,812/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,140,563 · Scale 2, in force from 26 Feb 2026)