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$119,369
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$123,082
−HK$3,772/mo
Today · 4.125%
HK$126,854
baseline
▲ 0.50% · 4.625%
HK$134,573
+HK$7,719/mo
Deposit HK$26.17M · loan HK$26.17M · min. income ≈ HK$253,708/mo (50% DSR)
Upfront cash ≈ HK$28.40M (deposit + AVD stamp duty HK$2,224,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,797
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,358
−HK$3,613/mo
Today · 4.125%
HK$139,971
baseline
▲ 0.50% · 4.625%
HK$147,349
+HK$7,378/mo
Deposit HK$26.17M · loan HK$26.17M · min. income ≈ HK$279,942/mo (50% DSR)
Upfront cash ≈ HK$28.40M (deposit + AVD stamp duty HK$2,224,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,243
−HK$8,982/mo
▼ 0.25% · 3.875%
HK$147,698
−HK$4,527/mo
Today · 4.125%
HK$152,225
baseline
▲ 0.50% · 4.625%
HK$161,488
+HK$9,263/mo
Deposit HK$20.94M · loan HK$31.41M · min. income ≈ HK$304,450/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$2,224,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,356
−HK$8,610/mo
▼ 0.25% · 3.875%
HK$163,630
−HK$4,336/mo
Today · 4.125%
HK$167,966
baseline
▲ 0.50% · 4.625%
HK$176,819
+HK$8,853/mo
Deposit HK$20.94M · loan HK$31.41M · min. income ≈ HK$335,932/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$2,224,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,117
−HK$10,479/mo
▼ 0.25% · 3.875%
HK$172,315
−HK$5,281/mo
Today · 4.125%
HK$177,596
baseline
▲ 0.50% · 4.625%
HK$188,403
+HK$10,807/mo
Deposit HK$15.70M · loan HK$36.64M · min. income ≈ HK$355,192/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$2,224,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,915
−HK$10,045/mo
▼ 0.25% · 3.875%
HK$190,902
−HK$5,058/mo
Today · 4.125%
HK$195,960
baseline
▲ 0.50% · 4.625%
HK$206,289
+HK$10,329/mo
Deposit HK$15.70M · loan HK$36.64M · min. income ≈ HK$391,920/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$2,224,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,864
−HK$13,474/mo
▼ 0.25% · 3.875%
HK$221,548
−HK$6,790/mo
Today · 4.125%
HK$228,338
baseline
▲ 0.50% · 4.625%
HK$242,232
+HK$13,894/mo
Deposit HK$5.23M · loan HK$47.11M · min. income ≈ HK$456,676/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,224,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,034
−HK$12,914/mo
▼ 0.25% · 3.875%
HK$245,445
−HK$6,503/mo
Today · 4.125%
HK$251,948
baseline
▲ 0.50% · 4.625%
HK$265,229
+HK$13,281/mo
Deposit HK$5.23M · loan HK$47.11M · min. income ≈ HK$503,896/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,224,830 · Scale 2, in force from 26 Feb 2026)