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$114,201
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,753
−HK$3,609/mo
Today · 4.125%
HK$121,362
baseline
▲ 0.50% · 4.625%
HK$128,746
+HK$7,384/mo
Deposit HK$25.04M · loan HK$25.04M · min. income ≈ HK$242,724/mo (50% DSR)
Upfront cash ≈ HK$27.17M (deposit + AVD stamp duty HK$2,128,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,047
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$130,454
−HK$3,457/mo
Today · 4.125%
HK$133,911
baseline
▲ 0.50% · 4.625%
HK$140,970
+HK$7,059/mo
Deposit HK$25.04M · loan HK$25.04M · min. income ≈ HK$267,822/mo (50% DSR)
Upfront cash ≈ HK$27.17M (deposit + AVD stamp duty HK$2,128,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,041
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$141,303
−HK$4,331/mo
Today · 4.125%
HK$145,634
baseline
▲ 0.50% · 4.625%
HK$154,496
+HK$8,862/mo
Deposit HK$20.03M · loan HK$30.05M · min. income ≈ HK$291,268/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$2,128,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,456
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$156,545
−HK$4,148/mo
Today · 4.125%
HK$160,693
baseline
▲ 0.50% · 4.625%
HK$169,163
+HK$8,470/mo
Deposit HK$20.03M · loan HK$30.05M · min. income ≈ HK$321,386/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$2,128,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,881
−HK$10,026/mo
▼ 0.25% · 3.875%
HK$164,854
−HK$5,053/mo
Today · 4.125%
HK$169,907
baseline
▲ 0.50% · 4.625%
HK$180,245
+HK$10,338/mo
Deposit HK$15.02M · loan HK$35.06M · min. income ≈ HK$339,814/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$2,128,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,866
−HK$9,609/mo
▼ 0.25% · 3.875%
HK$182,636
−HK$4,839/mo
Today · 4.125%
HK$187,475
baseline
▲ 0.50% · 4.625%
HK$197,357
+HK$9,882/mo
Deposit HK$15.02M · loan HK$35.06M · min. income ≈ HK$374,950/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$2,128,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,561
−HK$12,890/mo
▼ 0.25% · 3.875%
HK$211,955
−HK$6,496/mo
Today · 4.125%
HK$218,451
baseline
▲ 0.50% · 4.625%
HK$231,744
+HK$13,293/mo
Deposit HK$5.01M · loan HK$45.07M · min. income ≈ HK$436,902/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,128,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,684
−HK$12,356/mo
▼ 0.25% · 3.875%
HK$234,818
−HK$6,222/mo
Today · 4.125%
HK$241,040
baseline
▲ 0.50% · 4.625%
HK$253,745
+HK$12,705/mo
Deposit HK$5.01M · loan HK$45.07M · min. income ≈ HK$482,080/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$2,128,499 · Scale 2, in force from 26 Feb 2026)