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$114,401
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$117,960
−HK$3,615/mo
Today · 4.125%
HK$121,575
baseline
▲ 0.50% · 4.625%
HK$128,973
+HK$7,398/mo
Deposit HK$25.09M · loan HK$25.09M · min. income ≈ HK$243,150/mo (50% DSR)
Upfront cash ≈ HK$27.22M (deposit + AVD stamp duty HK$2,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,270
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$130,683
−HK$3,463/mo
Today · 4.125%
HK$134,146
baseline
▲ 0.50% · 4.625%
HK$141,217
+HK$7,071/mo
Deposit HK$25.09M · loan HK$25.09M · min. income ≈ HK$268,292/mo (50% DSR)
Upfront cash ≈ HK$27.22M (deposit + AVD stamp duty HK$2,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,281
−HK$8,609/mo
▼ 0.25% · 3.875%
HK$141,552
−HK$4,338/mo
Today · 4.125%
HK$145,890
baseline
▲ 0.50% · 4.625%
HK$154,767
+HK$8,877/mo
Deposit HK$20.07M · loan HK$30.10M · min. income ≈ HK$291,780/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$2,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,724
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$156,820
−HK$4,155/mo
Today · 4.125%
HK$160,975
baseline
▲ 0.50% · 4.625%
HK$169,461
+HK$8,486/mo
Deposit HK$20.07M · loan HK$30.10M · min. income ≈ HK$321,950/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$2,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,162
−HK$10,043/mo
▼ 0.25% · 3.875%
HK$165,144
−HK$5,061/mo
Today · 4.125%
HK$170,205
baseline
▲ 0.50% · 4.625%
HK$180,562
+HK$10,357/mo
Deposit HK$15.05M · loan HK$35.12M · min. income ≈ HK$340,410/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$2,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,178
−HK$9,627/mo
▼ 0.25% · 3.875%
HK$182,957
−HK$4,848/mo
Today · 4.125%
HK$187,805
baseline
▲ 0.50% · 4.625%
HK$197,704
+HK$9,899/mo
Deposit HK$15.05M · loan HK$35.12M · min. income ≈ HK$375,610/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$2,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,922
−HK$12,913/mo
▼ 0.25% · 3.875%
HK$212,327
−HK$6,508/mo
Today · 4.125%
HK$218,835
baseline
▲ 0.50% · 4.625%
HK$232,151
+HK$13,316/mo
Deposit HK$5.02M · loan HK$45.15M · min. income ≈ HK$437,670/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,086
−HK$12,377/mo
▼ 0.25% · 3.875%
HK$235,230
−HK$6,233/mo
Today · 4.125%
HK$241,463
baseline
▲ 0.50% · 4.625%
HK$254,191
+HK$12,728/mo
Deposit HK$5.02M · loan HK$45.15M · min. income ≈ HK$482,926/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,132,238 · Scale 2, in force from 26 Feb 2026)