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$114,695
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,263
−HK$3,625/mo
Today · 4.125%
HK$121,888
baseline
▲ 0.50% · 4.625%
HK$129,304
+HK$7,416/mo
Deposit HK$25.15M · loan HK$25.15M · min. income ≈ HK$243,776/mo (50% DSR)
Upfront cash ≈ HK$27.29M (deposit + AVD stamp duty HK$2,137,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,597
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,019
−HK$3,472/mo
Today · 4.125%
HK$134,491
baseline
▲ 0.50% · 4.625%
HK$141,580
+HK$7,089/mo
Deposit HK$25.15M · loan HK$25.15M · min. income ≈ HK$268,982/mo (50% DSR)
Upfront cash ≈ HK$27.29M (deposit + AVD stamp duty HK$2,137,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,634
−HK$8,631/mo
▼ 0.25% · 3.875%
HK$141,915
−HK$4,350/mo
Today · 4.125%
HK$146,265
baseline
▲ 0.50% · 4.625%
HK$155,165
+HK$8,900/mo
Deposit HK$20.12M · loan HK$30.18M · min. income ≈ HK$292,530/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$2,137,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,117
−HK$8,272/mo
▼ 0.25% · 3.875%
HK$157,223
−HK$4,166/mo
Today · 4.125%
HK$161,389
baseline
▲ 0.50% · 4.625%
HK$169,896
+HK$8,507/mo
Deposit HK$20.12M · loan HK$30.18M · min. income ≈ HK$322,778/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$2,137,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,573
−HK$10,070/mo
▼ 0.25% · 3.875%
HK$165,568
−HK$5,075/mo
Today · 4.125%
HK$170,643
baseline
▲ 0.50% · 4.625%
HK$181,026
+HK$10,383/mo
Deposit HK$15.09M · loan HK$35.21M · min. income ≈ HK$341,286/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$2,137,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,636
−HK$9,651/mo
▼ 0.25% · 3.875%
HK$183,427
−HK$4,860/mo
Today · 4.125%
HK$188,287
baseline
▲ 0.50% · 4.625%
HK$198,212
+HK$9,925/mo
Deposit HK$15.09M · loan HK$35.21M · min. income ≈ HK$376,574/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$2,137,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,451
−HK$12,947/mo
▼ 0.25% · 3.875%
HK$212,873
−HK$6,525/mo
Today · 4.125%
HK$219,398
baseline
▲ 0.50% · 4.625%
HK$232,748
+HK$13,350/mo
Deposit HK$5.03M · loan HK$45.27M · min. income ≈ HK$438,796/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,137,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,675
−HK$12,409/mo
▼ 0.25% · 3.875%
HK$235,835
−HK$6,249/mo
Today · 4.125%
HK$242,084
baseline
▲ 0.50% · 4.625%
HK$254,844
+HK$12,760/mo
Deposit HK$5.03M · loan HK$45.27M · min. income ≈ HK$484,168/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,137,719 · Scale 2, in force from 26 Feb 2026)