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$114,183
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,734
−HK$3,609/mo
Today · 4.125%
HK$121,343
baseline
▲ 0.50% · 4.625%
HK$128,726
+HK$7,383/mo
Deposit HK$25.04M · loan HK$25.04M · min. income ≈ HK$242,686/mo (50% DSR)
Upfront cash ≈ HK$27.17M (deposit + AVD stamp duty HK$2,128,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,027
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$130,434
−HK$3,456/mo
Today · 4.125%
HK$133,890
baseline
▲ 0.50% · 4.625%
HK$140,948
+HK$7,058/mo
Deposit HK$25.04M · loan HK$25.04M · min. income ≈ HK$267,780/mo (50% DSR)
Upfront cash ≈ HK$27.17M (deposit + AVD stamp duty HK$2,128,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,019
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$141,281
−HK$4,331/mo
Today · 4.125%
HK$145,612
baseline
▲ 0.50% · 4.625%
HK$154,472
+HK$8,860/mo
Deposit HK$20.03M · loan HK$30.04M · min. income ≈ HK$291,224/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$2,128,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,433
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$156,521
−HK$4,147/mo
Today · 4.125%
HK$160,668
baseline
▲ 0.50% · 4.625%
HK$169,137
+HK$8,469/mo
Deposit HK$20.03M · loan HK$30.04M · min. income ≈ HK$321,336/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$2,128,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,856
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$164,828
−HK$5,052/mo
Today · 4.125%
HK$169,880
baseline
▲ 0.50% · 4.625%
HK$180,217
+HK$10,337/mo
Deposit HK$15.02M · loan HK$35.05M · min. income ≈ HK$339,760/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$2,128,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,838
−HK$9,608/mo
▼ 0.25% · 3.875%
HK$182,608
−HK$4,838/mo
Today · 4.125%
HK$187,446
baseline
▲ 0.50% · 4.625%
HK$197,327
+HK$9,881/mo
Deposit HK$15.02M · loan HK$35.05M · min. income ≈ HK$374,892/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$2,128,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,529
−HK$12,888/mo
▼ 0.25% · 3.875%
HK$211,922
−HK$6,495/mo
Today · 4.125%
HK$218,417
baseline
▲ 0.50% · 4.625%
HK$231,708
+HK$13,291/mo
Deposit HK$5.01M · loan HK$45.07M · min. income ≈ HK$436,834/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,128,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,649
−HK$12,353/mo
▼ 0.25% · 3.875%
HK$234,781
−HK$6,221/mo
Today · 4.125%
HK$241,002
baseline
▲ 0.50% · 4.625%
HK$253,706
+HK$12,704/mo
Deposit HK$5.01M · loan HK$45.07M · min. income ≈ HK$482,004/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,128,168 · Scale 2, in force from 26 Feb 2026)