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$114,431
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$117,991
−HK$3,616/mo
Today · 4.125%
HK$121,607
baseline
▲ 0.50% · 4.625%
HK$129,007
+HK$7,400/mo
Deposit HK$25.09M · loan HK$25.09M · min. income ≈ HK$243,214/mo (50% DSR)
Upfront cash ≈ HK$27.22M (deposit + AVD stamp duty HK$2,132,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,304
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$130,718
−HK$3,464/mo
Today · 4.125%
HK$134,182
baseline
▲ 0.50% · 4.625%
HK$141,255
+HK$7,073/mo
Deposit HK$25.09M · loan HK$25.09M · min. income ≈ HK$268,364/mo (50% DSR)
Upfront cash ≈ HK$27.22M (deposit + AVD stamp duty HK$2,132,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,318
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$141,589
−HK$4,340/mo
Today · 4.125%
HK$145,929
baseline
▲ 0.50% · 4.625%
HK$154,808
+HK$8,879/mo
Deposit HK$20.07M · loan HK$30.11M · min. income ≈ HK$291,858/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$2,132,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,765
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$156,862
−HK$4,156/mo
Today · 4.125%
HK$161,018
baseline
▲ 0.50% · 4.625%
HK$169,506
+HK$8,488/mo
Deposit HK$20.07M · loan HK$30.11M · min. income ≈ HK$322,036/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$2,132,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,204
−HK$10,046/mo
▼ 0.25% · 3.875%
HK$165,187
−HK$5,063/mo
Today · 4.125%
HK$170,250
baseline
▲ 0.50% · 4.625%
HK$180,610
+HK$10,360/mo
Deposit HK$15.06M · loan HK$35.13M · min. income ≈ HK$340,500/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$2,132,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,225
−HK$9,629/mo
▼ 0.25% · 3.875%
HK$183,005
−HK$4,849/mo
Today · 4.125%
HK$187,854
baseline
▲ 0.50% · 4.625%
HK$197,756
+HK$9,902/mo
Deposit HK$15.06M · loan HK$35.13M · min. income ≈ HK$375,708/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$2,132,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,977
−HK$12,916/mo
▼ 0.25% · 3.875%
HK$212,384
−HK$6,509/mo
Today · 4.125%
HK$218,893
baseline
▲ 0.50% · 4.625%
HK$232,212
+HK$13,319/mo
Deposit HK$5.02M · loan HK$45.17M · min. income ≈ HK$437,786/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,132,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,147
−HK$12,380/mo
▼ 0.25% · 3.875%
HK$235,293
−HK$6,234/mo
Today · 4.125%
HK$241,527
baseline
▲ 0.50% · 4.625%
HK$254,258
+HK$12,731/mo
Deposit HK$5.02M · loan HK$45.17M · min. income ≈ HK$483,054/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,132,803 · Scale 2, in force from 26 Feb 2026)