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$114,803
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$118,374
−HK$3,629/mo
Today · 4.125%
HK$122,003
baseline
▲ 0.50% · 4.625%
HK$129,426
+HK$7,423/mo
Deposit HK$25.17M · loan HK$25.17M · min. income ≈ HK$244,006/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$2,139,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,718
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$131,143
−HK$3,475/mo
Today · 4.125%
HK$134,618
baseline
▲ 0.50% · 4.625%
HK$141,714
+HK$7,096/mo
Deposit HK$25.17M · loan HK$25.17M · min. income ≈ HK$269,236/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$2,139,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,764
−HK$8,639/mo
▼ 0.25% · 3.875%
HK$142,049
−HK$4,354/mo
Today · 4.125%
HK$146,403
baseline
▲ 0.50% · 4.625%
HK$155,311
+HK$8,908/mo
Deposit HK$20.14M · loan HK$30.21M · min. income ≈ HK$292,806/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,139,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,261
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$157,372
−HK$4,169/mo
Today · 4.125%
HK$161,541
baseline
▲ 0.50% · 4.625%
HK$170,056
+HK$8,515/mo
Deposit HK$20.14M · loan HK$30.21M · min. income ≈ HK$323,082/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,139,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,725
−HK$10,079/mo
▼ 0.25% · 3.875%
HK$165,724
−HK$5,080/mo
Today · 4.125%
HK$170,804
baseline
▲ 0.50% · 4.625%
HK$181,197
+HK$10,393/mo
Deposit HK$15.10M · loan HK$35.24M · min. income ≈ HK$341,608/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$2,139,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,805
−HK$9,660/mo
▼ 0.25% · 3.875%
HK$183,600
−HK$4,865/mo
Today · 4.125%
HK$188,465
baseline
▲ 0.50% · 4.625%
HK$198,399
+HK$9,934/mo
Deposit HK$15.10M · loan HK$35.24M · min. income ≈ HK$376,930/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$2,139,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,646
−HK$12,959/mo
▼ 0.25% · 3.875%
HK$213,074
−HK$6,531/mo
Today · 4.125%
HK$219,605
baseline
▲ 0.50% · 4.625%
HK$232,967
+HK$13,362/mo
Deposit HK$5.03M · loan HK$45.31M · min. income ≈ HK$439,210/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,139,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,892
−HK$12,420/mo
▼ 0.25% · 3.875%
HK$236,057
−HK$6,255/mo
Today · 4.125%
HK$242,312
baseline
▲ 0.50% · 4.625%
HK$255,085
+HK$12,773/mo
Deposit HK$5.03M · loan HK$45.31M · min. income ≈ HK$484,624/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,139,736 · Scale 2, in force from 26 Feb 2026)