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$114,406
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$117,964
−HK$3,616/mo
Today · 4.125%
HK$121,580
baseline
▲ 0.50% · 4.625%
HK$128,978
+HK$7,398/mo
Deposit HK$25.09M · loan HK$25.09M · min. income ≈ HK$243,160/mo (50% DSR)
Upfront cash ≈ HK$27.22M (deposit + AVD stamp duty HK$2,132,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,275
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$130,689
−HK$3,463/mo
Today · 4.125%
HK$134,152
baseline
▲ 0.50% · 4.625%
HK$141,223
+HK$7,071/mo
Deposit HK$25.09M · loan HK$25.09M · min. income ≈ HK$268,304/mo (50% DSR)
Upfront cash ≈ HK$27.22M (deposit + AVD stamp duty HK$2,132,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,287
−HK$8,609/mo
▼ 0.25% · 3.875%
HK$141,557
−HK$4,339/mo
Today · 4.125%
HK$145,896
baseline
▲ 0.50% · 4.625%
HK$154,773
+HK$8,877/mo
Deposit HK$20.07M · loan HK$30.10M · min. income ≈ HK$291,792/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$2,132,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,730
−HK$8,252/mo
▼ 0.25% · 3.875%
HK$156,826
−HK$4,156/mo
Today · 4.125%
HK$160,982
baseline
▲ 0.50% · 4.625%
HK$169,467
+HK$8,485/mo
Deposit HK$20.07M · loan HK$30.10M · min. income ≈ HK$321,964/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$2,132,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,168
−HK$10,044/mo
▼ 0.25% · 3.875%
HK$165,150
−HK$5,062/mo
Today · 4.125%
HK$170,212
baseline
▲ 0.50% · 4.625%
HK$180,569
+HK$10,357/mo
Deposit HK$15.05M · loan HK$35.12M · min. income ≈ HK$340,424/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$2,132,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,185
−HK$9,627/mo
▼ 0.25% · 3.875%
HK$182,964
−HK$4,848/mo
Today · 4.125%
HK$187,812
baseline
▲ 0.50% · 4.625%
HK$197,712
+HK$9,900/mo
Deposit HK$15.05M · loan HK$35.12M · min. income ≈ HK$375,624/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$2,132,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,930
−HK$12,914/mo
▼ 0.25% · 3.875%
HK$212,336
−HK$6,508/mo
Today · 4.125%
HK$218,844
baseline
▲ 0.50% · 4.625%
HK$232,160
+HK$13,316/mo
Deposit HK$5.02M · loan HK$45.16M · min. income ≈ HK$437,688/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,132,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,095
−HK$12,378/mo
▼ 0.25% · 3.875%
HK$235,240
−HK$6,233/mo
Today · 4.125%
HK$241,473
baseline
▲ 0.50% · 4.625%
HK$254,201
+HK$12,728/mo
Deposit HK$5.02M · loan HK$45.16M · min. income ≈ HK$482,946/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,132,324 · Scale 2, in force from 26 Feb 2026)