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$114,548
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$118,111
−HK$3,620/mo
Today · 4.125%
HK$121,731
baseline
▲ 0.50% · 4.625%
HK$129,138
+HK$7,407/mo
Deposit HK$25.12M · loan HK$25.12M · min. income ≈ HK$243,462/mo (50% DSR)
Upfront cash ≈ HK$27.25M (deposit + AVD stamp duty HK$2,134,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,434
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$130,851
−HK$3,468/mo
Today · 4.125%
HK$134,319
baseline
▲ 0.50% · 4.625%
HK$141,399
+HK$7,080/mo
Deposit HK$25.12M · loan HK$25.12M · min. income ≈ HK$268,638/mo (50% DSR)
Upfront cash ≈ HK$27.25M (deposit + AVD stamp duty HK$2,134,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,458
−HK$8,620/mo
▼ 0.25% · 3.875%
HK$141,734
−HK$4,344/mo
Today · 4.125%
HK$146,078
baseline
▲ 0.50% · 4.625%
HK$154,966
+HK$8,888/mo
Deposit HK$20.09M · loan HK$30.14M · min. income ≈ HK$292,156/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$2,134,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,920
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$157,022
−HK$4,160/mo
Today · 4.125%
HK$161,182
baseline
▲ 0.50% · 4.625%
HK$169,678
+HK$8,496/mo
Deposit HK$20.09M · loan HK$30.14M · min. income ≈ HK$322,364/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$2,134,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,367
−HK$10,057/mo
▼ 0.25% · 3.875%
HK$165,356
−HK$5,068/mo
Today · 4.125%
HK$170,424
baseline
▲ 0.50% · 4.625%
HK$180,794
+HK$10,370/mo
Deposit HK$15.07M · loan HK$35.16M · min. income ≈ HK$340,848/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$2,134,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,407
−HK$9,639/mo
▼ 0.25% · 3.875%
HK$183,192
−HK$4,854/mo
Today · 4.125%
HK$188,046
baseline
▲ 0.50% · 4.625%
HK$197,958
+HK$9,912/mo
Deposit HK$15.07M · loan HK$35.16M · min. income ≈ HK$376,092/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$2,134,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,187
−HK$12,929/mo
▼ 0.25% · 3.875%
HK$212,600
−HK$6,516/mo
Today · 4.125%
HK$219,116
baseline
▲ 0.50% · 4.625%
HK$232,449
+HK$13,333/mo
Deposit HK$5.02M · loan HK$45.21M · min. income ≈ HK$438,232/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,134,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,381
−HK$12,392/mo
▼ 0.25% · 3.875%
HK$235,533
−HK$6,240/mo
Today · 4.125%
HK$241,773
baseline
▲ 0.50% · 4.625%
HK$254,518
+HK$12,745/mo
Deposit HK$5.02M · loan HK$45.21M · min. income ≈ HK$483,546/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,134,979 · Scale 2, in force from 26 Feb 2026)