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$115,076
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,655
−HK$3,637/mo
Today · 4.125%
HK$122,292
baseline
▲ 0.50% · 4.625%
HK$129,733
+HK$7,441/mo
Deposit HK$25.23M · loan HK$25.23M · min. income ≈ HK$244,584/mo (50% DSR)
Upfront cash ≈ HK$27.38M (deposit + AVD stamp duty HK$2,144,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,021
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,454
−HK$3,483/mo
Today · 4.125%
HK$134,937
baseline
▲ 0.50% · 4.625%
HK$142,050
+HK$7,113/mo
Deposit HK$25.23M · loan HK$25.23M · min. income ≈ HK$269,874/mo (50% DSR)
Upfront cash ≈ HK$27.38M (deposit + AVD stamp duty HK$2,144,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,091
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$142,386
−HK$4,364/mo
Today · 4.125%
HK$146,750
baseline
▲ 0.50% · 4.625%
HK$155,680
+HK$8,930/mo
Deposit HK$20.19M · loan HK$30.28M · min. income ≈ HK$293,500/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$2,144,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,625
−HK$8,299/mo
▼ 0.25% · 3.875%
HK$157,745
−HK$4,179/mo
Today · 4.125%
HK$161,924
baseline
▲ 0.50% · 4.625%
HK$170,460
+HK$8,536/mo
Deposit HK$20.19M · loan HK$30.28M · min. income ≈ HK$323,848/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$2,144,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,106
−HK$10,103/mo
▼ 0.25% · 3.875%
HK$166,117
−HK$5,092/mo
Today · 4.125%
HK$171,209
baseline
▲ 0.50% · 4.625%
HK$181,626
+HK$10,417/mo
Deposit HK$15.14M · loan HK$35.33M · min. income ≈ HK$342,418/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$2,144,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,229
−HK$9,683/mo
▼ 0.25% · 3.875%
HK$184,036
−HK$4,876/mo
Today · 4.125%
HK$188,912
baseline
▲ 0.50% · 4.625%
HK$198,870
+HK$9,958/mo
Deposit HK$15.14M · loan HK$35.33M · min. income ≈ HK$377,824/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$2,144,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,136
−HK$12,989/mo
▼ 0.25% · 3.875%
HK$213,579
−HK$6,546/mo
Today · 4.125%
HK$220,125
baseline
▲ 0.50% · 4.625%
HK$233,520
+HK$13,395/mo
Deposit HK$5.05M · loan HK$45.42M · min. income ≈ HK$440,250/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,144,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,437
−HK$12,450/mo
▼ 0.25% · 3.875%
HK$236,617
−HK$6,270/mo
Today · 4.125%
HK$242,887
baseline
▲ 0.50% · 4.625%
HK$255,690
+HK$12,803/mo
Deposit HK$5.05M · loan HK$45.42M · min. income ≈ HK$485,774/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,144,810 · Scale 2, in force from 26 Feb 2026)