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$114,877
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$118,451
−HK$3,630/mo
Today · 4.125%
HK$122,081
baseline
▲ 0.50% · 4.625%
HK$129,509
+HK$7,428/mo
Deposit HK$25.19M · loan HK$25.19M · min. income ≈ HK$244,162/mo (50% DSR)
Upfront cash ≈ HK$27.33M (deposit + AVD stamp duty HK$2,141,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,800
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$131,227
−HK$3,477/mo
Today · 4.125%
HK$134,704
baseline
▲ 0.50% · 4.625%
HK$141,805
+HK$7,101/mo
Deposit HK$25.19M · loan HK$25.19M · min. income ≈ HK$269,408/mo (50% DSR)
Upfront cash ≈ HK$27.33M (deposit + AVD stamp duty HK$2,141,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,853
−HK$8,644/mo
▼ 0.25% · 3.875%
HK$142,141
−HK$4,356/mo
Today · 4.125%
HK$146,497
baseline
▲ 0.50% · 4.625%
HK$155,411
+HK$8,914/mo
Deposit HK$20.15M · loan HK$30.23M · min. income ≈ HK$292,994/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$2,141,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,360
−HK$8,285/mo
▼ 0.25% · 3.875%
HK$157,473
−HK$4,172/mo
Today · 4.125%
HK$161,645
baseline
▲ 0.50% · 4.625%
HK$170,166
+HK$8,521/mo
Deposit HK$20.15M · loan HK$30.23M · min. income ≈ HK$323,290/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$2,141,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,828
−HK$10,086/mo
▼ 0.25% · 3.875%
HK$165,831
−HK$5,083/mo
Today · 4.125%
HK$170,914
baseline
▲ 0.50% · 4.625%
HK$181,313
+HK$10,399/mo
Deposit HK$15.11M · loan HK$35.27M · min. income ≈ HK$341,828/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$2,141,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,920
−HK$9,666/mo
▼ 0.25% · 3.875%
HK$183,718
−HK$4,868/mo
Today · 4.125%
HK$188,586
baseline
▲ 0.50% · 4.625%
HK$198,527
+HK$9,941/mo
Deposit HK$15.11M · loan HK$35.27M · min. income ≈ HK$377,172/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$2,141,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,779
−HK$12,967/mo
▼ 0.25% · 3.875%
HK$213,211
−HK$6,535/mo
Today · 4.125%
HK$219,746
baseline
▲ 0.50% · 4.625%
HK$233,117
+HK$13,371/mo
Deposit HK$5.04M · loan HK$45.34M · min. income ≈ HK$439,492/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,141,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,040
−HK$12,428/mo
▼ 0.25% · 3.875%
HK$236,209
−HK$6,259/mo
Today · 4.125%
HK$242,468
baseline
▲ 0.50% · 4.625%
HK$255,249
+HK$12,781/mo
Deposit HK$5.04M · loan HK$45.34M · min. income ≈ HK$484,936/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,141,113 · Scale 2, in force from 26 Feb 2026)