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$115,014
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,592
−HK$3,634/mo
Today · 4.125%
HK$122,226
baseline
▲ 0.50% · 4.625%
HK$129,664
+HK$7,438/mo
Deposit HK$25.22M · loan HK$25.22M · min. income ≈ HK$244,452/mo (50% DSR)
Upfront cash ≈ HK$27.36M (deposit + AVD stamp duty HK$2,143,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,952
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,384
−HK$3,481/mo
Today · 4.125%
HK$134,865
baseline
▲ 0.50% · 4.625%
HK$141,974
+HK$7,109/mo
Deposit HK$25.22M · loan HK$25.22M · min. income ≈ HK$269,730/mo (50% DSR)
Upfront cash ≈ HK$27.36M (deposit + AVD stamp duty HK$2,143,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,017
−HK$8,655/mo
▼ 0.25% · 3.875%
HK$142,310
−HK$4,362/mo
Today · 4.125%
HK$146,672
baseline
▲ 0.50% · 4.625%
HK$155,596
+HK$8,924/mo
Deposit HK$20.18M · loan HK$30.26M · min. income ≈ HK$293,344/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$2,143,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,542
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$157,660
−HK$4,178/mo
Today · 4.125%
HK$161,838
baseline
▲ 0.50% · 4.625%
HK$170,368
+HK$8,530/mo
Deposit HK$20.18M · loan HK$30.26M · min. income ≈ HK$323,676/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$2,143,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,020
−HK$10,097/mo
▼ 0.25% · 3.875%
HK$166,028
−HK$5,089/mo
Today · 4.125%
HK$171,117
baseline
▲ 0.50% · 4.625%
HK$181,529
+HK$10,412/mo
Deposit HK$15.13M · loan HK$35.31M · min. income ≈ HK$342,234/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$2,143,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,133
−HK$9,678/mo
▼ 0.25% · 3.875%
HK$183,937
−HK$4,874/mo
Today · 4.125%
HK$188,811
baseline
▲ 0.50% · 4.625%
HK$198,763
+HK$9,952/mo
Deposit HK$15.13M · loan HK$35.31M · min. income ≈ HK$377,622/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$2,143,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,025
−HK$12,983/mo
▼ 0.25% · 3.875%
HK$213,465
−HK$6,543/mo
Today · 4.125%
HK$220,008
baseline
▲ 0.50% · 4.625%
HK$233,395
+HK$13,387/mo
Deposit HK$5.04M · loan HK$45.40M · min. income ≈ HK$440,016/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,143,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,314
−HK$12,443/mo
▼ 0.25% · 3.875%
HK$236,490
−HK$6,267/mo
Today · 4.125%
HK$242,757
baseline
▲ 0.50% · 4.625%
HK$255,553
+HK$12,796/mo
Deposit HK$5.04M · loan HK$45.40M · min. income ≈ HK$485,514/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,143,662 · Scale 2, in force from 26 Feb 2026)