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$116,283
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$119,901
−HK$3,674/mo
Today · 4.125%
HK$123,575
baseline
▲ 0.50% · 4.625%
HK$131,095
+HK$7,520/mo
Deposit HK$25.50M · loan HK$25.50M · min. income ≈ HK$247,150/mo (50% DSR)
Upfront cash ≈ HK$27.67M (deposit + AVD stamp duty HK$2,167,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,364
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$132,834
−HK$3,519/mo
Today · 4.125%
HK$136,353
baseline
▲ 0.50% · 4.625%
HK$143,541
+HK$7,188/mo
Deposit HK$25.50M · loan HK$25.50M · min. income ≈ HK$272,706/mo (50% DSR)
Upfront cash ≈ HK$27.67M (deposit + AVD stamp duty HK$2,167,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,540
−HK$8,751/mo
▼ 0.25% · 3.875%
HK$143,881
−HK$4,410/mo
Today · 4.125%
HK$148,291
baseline
▲ 0.50% · 4.625%
HK$157,314
+HK$9,023/mo
Deposit HK$20.40M · loan HK$30.60M · min. income ≈ HK$296,582/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$2,167,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,237
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$159,400
−HK$4,224/mo
Today · 4.125%
HK$163,624
baseline
▲ 0.50% · 4.625%
HK$172,249
+HK$8,625/mo
Deposit HK$20.40M · loan HK$30.60M · min. income ≈ HK$327,248/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$2,167,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,797
−HK$10,209/mo
▼ 0.25% · 3.875%
HK$167,861
−HK$5,145/mo
Today · 4.125%
HK$173,006
baseline
▲ 0.50% · 4.625%
HK$183,533
+HK$10,527/mo
Deposit HK$15.30M · loan HK$35.70M · min. income ≈ HK$346,012/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,167,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,110
−HK$9,785/mo
▼ 0.25% · 3.875%
HK$185,967
−HK$4,928/mo
Today · 4.125%
HK$190,895
baseline
▲ 0.50% · 4.625%
HK$200,957
+HK$10,062/mo
Deposit HK$15.30M · loan HK$35.70M · min. income ≈ HK$381,790/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,167,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,310
−HK$13,126/mo
▼ 0.25% · 3.875%
HK$215,821
−HK$6,615/mo
Today · 4.125%
HK$222,436
baseline
▲ 0.50% · 4.625%
HK$235,971
+HK$13,535/mo
Deposit HK$5.10M · loan HK$45.90M · min. income ≈ HK$444,872/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,167,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,856
−HK$12,580/mo
▼ 0.25% · 3.875%
HK$239,101
−HK$6,335/mo
Today · 4.125%
HK$245,436
baseline
▲ 0.50% · 4.625%
HK$258,373
+HK$12,937/mo
Deposit HK$5.10M · loan HK$45.90M · min. income ≈ HK$490,872/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,167,322 · Scale 2, in force from 26 Feb 2026)