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$114,628
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$118,193
−HK$3,623/mo
Today · 4.125%
HK$121,816
baseline
▲ 0.50% · 4.625%
HK$129,228
+HK$7,412/mo
Deposit HK$25.13M · loan HK$25.13M · min. income ≈ HK$243,632/mo (50% DSR)
Upfront cash ≈ HK$27.27M (deposit + AVD stamp duty HK$2,136,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,522
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$130,942
−HK$3,470/mo
Today · 4.125%
HK$134,412
baseline
▲ 0.50% · 4.625%
HK$141,497
+HK$7,085/mo
Deposit HK$25.13M · loan HK$25.13M · min. income ≈ HK$268,824/mo (50% DSR)
Upfront cash ≈ HK$27.27M (deposit + AVD stamp duty HK$2,136,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,553
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$141,832
−HK$4,347/mo
Today · 4.125%
HK$146,179
baseline
▲ 0.50% · 4.625%
HK$155,074
+HK$8,895/mo
Deposit HK$20.11M · loan HK$30.16M · min. income ≈ HK$292,358/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$2,136,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,026
−HK$8,268/mo
▼ 0.25% · 3.875%
HK$157,131
−HK$4,163/mo
Today · 4.125%
HK$161,294
baseline
▲ 0.50% · 4.625%
HK$169,796
+HK$8,502/mo
Deposit HK$20.11M · loan HK$30.16M · min. income ≈ HK$322,588/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$2,136,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,479
−HK$10,063/mo
▼ 0.25% · 3.875%
HK$165,470
−HK$5,072/mo
Today · 4.125%
HK$170,542
baseline
▲ 0.50% · 4.625%
HK$180,919
+HK$10,377/mo
Deposit HK$15.08M · loan HK$35.19M · min. income ≈ HK$341,084/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$2,136,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,531
−HK$9,645/mo
▼ 0.25% · 3.875%
HK$183,319
−HK$4,857/mo
Today · 4.125%
HK$188,176
baseline
▲ 0.50% · 4.625%
HK$198,095
+HK$9,919/mo
Deposit HK$15.08M · loan HK$35.19M · min. income ≈ HK$376,352/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$2,136,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,330
−HK$12,938/mo
▼ 0.25% · 3.875%
HK$212,748
−HK$6,520/mo
Today · 4.125%
HK$219,268
baseline
▲ 0.50% · 4.625%
HK$232,610
+HK$13,342/mo
Deposit HK$5.03M · loan HK$45.24M · min. income ≈ HK$438,536/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,136,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,540
−HK$12,401/mo
▼ 0.25% · 3.875%
HK$235,696
−HK$6,245/mo
Today · 4.125%
HK$241,941
baseline
▲ 0.50% · 4.625%
HK$254,694
+HK$12,753/mo
Deposit HK$5.03M · loan HK$45.24M · min. income ≈ HK$483,882/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,136,458 · Scale 2, in force from 26 Feb 2026)