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$114,683
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,250
−HK$3,624/mo
Today · 4.125%
HK$121,874
baseline
▲ 0.50% · 4.625%
HK$129,290
+HK$7,416/mo
Deposit HK$25.15M · loan HK$25.15M · min. income ≈ HK$243,748/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$2,137,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,583
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$131,005
−HK$3,471/mo
Today · 4.125%
HK$134,476
baseline
▲ 0.50% · 4.625%
HK$141,565
+HK$7,089/mo
Deposit HK$25.15M · loan HK$25.15M · min. income ≈ HK$268,952/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$2,137,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,619
−HK$8,630/mo
▼ 0.25% · 3.875%
HK$141,900
−HK$4,349/mo
Today · 4.125%
HK$146,249
baseline
▲ 0.50% · 4.625%
HK$155,148
+HK$8,899/mo
Deposit HK$20.12M · loan HK$30.18M · min. income ≈ HK$292,498/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$2,137,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,100
−HK$8,272/mo
▼ 0.25% · 3.875%
HK$157,206
−HK$4,166/mo
Today · 4.125%
HK$161,372
baseline
▲ 0.50% · 4.625%
HK$169,878
+HK$8,506/mo
Deposit HK$20.12M · loan HK$30.18M · min. income ≈ HK$322,744/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$2,137,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,556
−HK$10,068/mo
▼ 0.25% · 3.875%
HK$165,550
−HK$5,074/mo
Today · 4.125%
HK$170,624
baseline
▲ 0.50% · 4.625%
HK$181,006
+HK$10,382/mo
Deposit HK$15.09M · loan HK$35.21M · min. income ≈ HK$341,248/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$2,137,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,617
−HK$9,650/mo
▼ 0.25% · 3.875%
HK$183,407
−HK$4,860/mo
Today · 4.125%
HK$188,267
baseline
▲ 0.50% · 4.625%
HK$198,191
+HK$9,924/mo
Deposit HK$15.09M · loan HK$35.21M · min. income ≈ HK$376,534/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$2,137,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,429
−HK$12,945/mo
▼ 0.25% · 3.875%
HK$212,850
−HK$6,524/mo
Today · 4.125%
HK$219,374
baseline
▲ 0.50% · 4.625%
HK$232,722
+HK$13,348/mo
Deposit HK$5.03M · loan HK$45.26M · min. income ≈ HK$438,748/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,137,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,650
−HK$12,407/mo
▼ 0.25% · 3.875%
HK$235,809
−HK$6,248/mo
Today · 4.125%
HK$242,057
baseline
▲ 0.50% · 4.625%
HK$254,817
+HK$12,760/mo
Deposit HK$5.03M · loan HK$45.26M · min. income ≈ HK$484,114/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,137,487 · Scale 2, in force from 26 Feb 2026)