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$114,382
−HK$7,173/mo
▼ 0.25% · 3.875%
HK$117,940
−HK$3,615/mo
Today · 4.125%
HK$121,555
baseline
▲ 0.50% · 4.625%
HK$128,952
+HK$7,397/mo
Deposit HK$25.08M · loan HK$25.08M · min. income ≈ HK$243,110/mo (50% DSR)
Upfront cash ≈ HK$27.21M (deposit + AVD stamp duty HK$2,131,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,249
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$130,662
−HK$3,462/mo
Today · 4.125%
HK$134,124
baseline
▲ 0.50% · 4.625%
HK$141,194
+HK$7,070/mo
Deposit HK$25.08M · loan HK$25.08M · min. income ≈ HK$268,248/mo (50% DSR)
Upfront cash ≈ HK$27.21M (deposit + AVD stamp duty HK$2,131,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,259
−HK$8,607/mo
▼ 0.25% · 3.875%
HK$141,528
−HK$4,338/mo
Today · 4.125%
HK$145,866
baseline
▲ 0.50% · 4.625%
HK$154,742
+HK$8,876/mo
Deposit HK$20.06M · loan HK$30.10M · min. income ≈ HK$291,732/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$2,131,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,699
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$156,794
−HK$4,155/mo
Today · 4.125%
HK$160,949
baseline
▲ 0.50% · 4.625%
HK$169,433
+HK$8,484/mo
Deposit HK$20.06M · loan HK$30.10M · min. income ≈ HK$321,898/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$2,131,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,135
−HK$10,042/mo
▼ 0.25% · 3.875%
HK$165,116
−HK$5,061/mo
Today · 4.125%
HK$170,177
baseline
▲ 0.50% · 4.625%
HK$180,532
+HK$10,355/mo
Deposit HK$15.05M · loan HK$35.11M · min. income ≈ HK$340,354/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$2,131,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,149
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$182,927
−HK$4,847/mo
Today · 4.125%
HK$187,774
baseline
▲ 0.50% · 4.625%
HK$197,672
+HK$9,898/mo
Deposit HK$15.05M · loan HK$35.11M · min. income ≈ HK$375,548/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$2,131,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,888
−HK$12,911/mo
▼ 0.25% · 3.875%
HK$212,293
−HK$6,506/mo
Today · 4.125%
HK$218,799
baseline
▲ 0.50% · 4.625%
HK$232,113
+HK$13,314/mo
Deposit HK$5.02M · loan HK$45.15M · min. income ≈ HK$437,598/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,131,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,049
−HK$12,374/mo
▼ 0.25% · 3.875%
HK$235,192
−HK$6,231/mo
Today · 4.125%
HK$241,423
baseline
▲ 0.50% · 4.625%
HK$254,149
+HK$12,726/mo
Deposit HK$5.02M · loan HK$45.15M · min. income ≈ HK$482,846/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,131,889 · Scale 2, in force from 26 Feb 2026)