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$114,908
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$118,482
−HK$3,632/mo
Today · 4.125%
HK$122,114
baseline
▲ 0.50% · 4.625%
HK$129,544
+HK$7,430/mo
Deposit HK$25.20M · loan HK$25.20M · min. income ≈ HK$244,228/mo (50% DSR)
Upfront cash ≈ HK$27.34M (deposit + AVD stamp duty HK$2,141,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,834
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$131,262
−HK$3,478/mo
Today · 4.125%
HK$134,740
baseline
▲ 0.50% · 4.625%
HK$141,843
+HK$7,103/mo
Deposit HK$25.20M · loan HK$25.20M · min. income ≈ HK$269,480/mo (50% DSR)
Upfront cash ≈ HK$27.34M (deposit + AVD stamp duty HK$2,141,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,889
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$142,178
−HK$4,358/mo
Today · 4.125%
HK$146,536
baseline
▲ 0.50% · 4.625%
HK$155,453
+HK$8,917/mo
Deposit HK$20.16M · loan HK$30.24M · min. income ≈ HK$293,072/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$2,141,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,401
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$157,515
−HK$4,173/mo
Today · 4.125%
HK$161,688
baseline
▲ 0.50% · 4.625%
HK$170,211
+HK$8,523/mo
Deposit HK$20.16M · loan HK$30.24M · min. income ≈ HK$323,376/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$2,141,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,871
−HK$10,088/mo
▼ 0.25% · 3.875%
HK$165,875
−HK$5,084/mo
Today · 4.125%
HK$170,959
baseline
▲ 0.50% · 4.625%
HK$181,361
+HK$10,402/mo
Deposit HK$15.12M · loan HK$35.27M · min. income ≈ HK$341,918/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$2,141,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,967
−HK$9,669/mo
▼ 0.25% · 3.875%
HK$183,767
−HK$4,869/mo
Today · 4.125%
HK$188,636
baseline
▲ 0.50% · 4.625%
HK$198,580
+HK$9,944/mo
Deposit HK$15.12M · loan HK$35.27M · min. income ≈ HK$377,272/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$2,141,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,834
−HK$12,970/mo
▼ 0.25% · 3.875%
HK$213,268
−HK$6,536/mo
Today · 4.125%
HK$219,804
baseline
▲ 0.50% · 4.625%
HK$233,179
+HK$13,375/mo
Deposit HK$5.04M · loan HK$45.35M · min. income ≈ HK$439,608/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,141,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,101
−HK$12,431/mo
▼ 0.25% · 3.875%
HK$236,272
−HK$6,260/mo
Today · 4.125%
HK$242,532
baseline
▲ 0.50% · 4.625%
HK$255,317
+HK$12,785/mo
Deposit HK$5.04M · loan HK$45.35M · min. income ≈ HK$485,064/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,141,681 · Scale 2, in force from 26 Feb 2026)