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$114,800
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$118,371
−HK$3,628/mo
Today · 4.125%
HK$121,999
baseline
▲ 0.50% · 4.625%
HK$129,422
+HK$7,423/mo
Deposit HK$25.17M · loan HK$25.17M · min. income ≈ HK$243,998/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$2,139,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,714
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$131,139
−HK$3,475/mo
Today · 4.125%
HK$134,614
baseline
▲ 0.50% · 4.625%
HK$141,710
+HK$7,096/mo
Deposit HK$25.17M · loan HK$25.17M · min. income ≈ HK$269,228/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$2,139,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,760
−HK$8,639/mo
▼ 0.25% · 3.875%
HK$142,045
−HK$4,354/mo
Today · 4.125%
HK$146,399
baseline
▲ 0.50% · 4.625%
HK$155,307
+HK$8,908/mo
Deposit HK$20.14M · loan HK$30.21M · min. income ≈ HK$292,798/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,139,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,257
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$157,367
−HK$4,170/mo
Today · 4.125%
HK$161,537
baseline
▲ 0.50% · 4.625%
HK$170,052
+HK$8,515/mo
Deposit HK$20.14M · loan HK$30.21M · min. income ≈ HK$323,074/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,139,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,720
−HK$10,079/mo
▼ 0.25% · 3.875%
HK$165,719
−HK$5,080/mo
Today · 4.125%
HK$170,799
baseline
▲ 0.50% · 4.625%
HK$181,191
+HK$10,392/mo
Deposit HK$15.10M · loan HK$35.24M · min. income ≈ HK$341,598/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$2,139,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,800
−HK$9,660/mo
▼ 0.25% · 3.875%
HK$183,595
−HK$4,865/mo
Today · 4.125%
HK$188,460
baseline
▲ 0.50% · 4.625%
HK$198,394
+HK$9,934/mo
Deposit HK$15.10M · loan HK$35.24M · min. income ≈ HK$376,920/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$2,139,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,640
−HK$12,958/mo
▼ 0.25% · 3.875%
HK$213,068
−HK$6,530/mo
Today · 4.125%
HK$219,598
baseline
▲ 0.50% · 4.625%
HK$232,960
+HK$13,362/mo
Deposit HK$5.03M · loan HK$45.31M · min. income ≈ HK$439,196/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,139,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,885
−HK$12,420/mo
▼ 0.25% · 3.875%
HK$236,051
−HK$6,254/mo
Today · 4.125%
HK$242,305
baseline
▲ 0.50% · 4.625%
HK$255,077
+HK$12,772/mo
Deposit HK$5.03M · loan HK$45.31M · min. income ≈ HK$484,610/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,139,674 · Scale 2, in force from 26 Feb 2026)