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$114,181
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,732
−HK$3,609/mo
Today · 4.125%
HK$121,341
baseline
▲ 0.50% · 4.625%
HK$128,724
+HK$7,383/mo
Deposit HK$25.04M · loan HK$25.04M · min. income ≈ HK$242,682/mo (50% DSR)
Upfront cash ≈ HK$27.16M (deposit + AVD stamp duty HK$2,128,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,025
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$130,432
−HK$3,456/mo
Today · 4.125%
HK$133,888
baseline
▲ 0.50% · 4.625%
HK$140,945
+HK$7,057/mo
Deposit HK$25.04M · loan HK$25.04M · min. income ≈ HK$267,776/mo (50% DSR)
Upfront cash ≈ HK$27.16M (deposit + AVD stamp duty HK$2,128,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,017
−HK$8,592/mo
▼ 0.25% · 3.875%
HK$141,279
−HK$4,330/mo
Today · 4.125%
HK$145,609
baseline
▲ 0.50% · 4.625%
HK$154,469
+HK$8,860/mo
Deposit HK$20.03M · loan HK$30.04M · min. income ≈ HK$291,218/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$2,128,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,430
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$156,518
−HK$4,147/mo
Today · 4.125%
HK$160,665
baseline
▲ 0.50% · 4.625%
HK$169,134
+HK$8,469/mo
Deposit HK$20.03M · loan HK$30.04M · min. income ≈ HK$321,330/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$2,128,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,853
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$164,825
−HK$5,052/mo
Today · 4.125%
HK$169,877
baseline
▲ 0.50% · 4.625%
HK$180,214
+HK$10,337/mo
Deposit HK$15.02M · loan HK$35.05M · min. income ≈ HK$339,754/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$2,128,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,835
−HK$9,608/mo
▼ 0.25% · 3.875%
HK$182,604
−HK$4,839/mo
Today · 4.125%
HK$187,443
baseline
▲ 0.50% · 4.625%
HK$197,323
+HK$9,880/mo
Deposit HK$15.02M · loan HK$35.05M · min. income ≈ HK$374,886/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$2,128,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,525
−HK$12,889/mo
▼ 0.25% · 3.875%
HK$211,918
−HK$6,496/mo
Today · 4.125%
HK$218,414
baseline
▲ 0.50% · 4.625%
HK$231,704
+HK$13,290/mo
Deposit HK$5.01M · loan HK$45.07M · min. income ≈ HK$436,828/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,128,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,645
−HK$12,353/mo
▼ 0.25% · 3.875%
HK$234,777
−HK$6,221/mo
Today · 4.125%
HK$240,998
baseline
▲ 0.50% · 4.625%
HK$253,701
+HK$12,703/mo
Deposit HK$5.01M · loan HK$45.07M · min. income ≈ HK$481,996/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,128,131 · Scale 2, in force from 26 Feb 2026)