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$119,043
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,746
−HK$3,762/mo
Today · 4.125%
HK$126,508
baseline
▲ 0.50% · 4.625%
HK$134,206
+HK$7,698/mo
Deposit HK$26.10M · loan HK$26.10M · min. income ≈ HK$253,016/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,218,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,434
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$135,986
−HK$3,603/mo
Today · 4.125%
HK$139,589
baseline
▲ 0.50% · 4.625%
HK$146,947
+HK$7,358/mo
Deposit HK$26.10M · loan HK$26.10M · min. income ≈ HK$279,178/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,218,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,852
−HK$8,958/mo
▼ 0.25% · 3.875%
HK$147,295
−HK$4,515/mo
Today · 4.125%
HK$151,810
baseline
▲ 0.50% · 4.625%
HK$161,047
+HK$9,237/mo
Deposit HK$20.88M · loan HK$31.32M · min. income ≈ HK$303,620/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$2,218,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,921
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$163,183
−HK$4,324/mo
Today · 4.125%
HK$167,507
baseline
▲ 0.50% · 4.625%
HK$176,337
+HK$8,830/mo
Deposit HK$20.88M · loan HK$31.32M · min. income ≈ HK$335,014/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$2,218,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,660
−HK$10,452/mo
▼ 0.25% · 3.875%
HK$171,845
−HK$5,267/mo
Today · 4.125%
HK$177,112
baseline
▲ 0.50% · 4.625%
HK$187,888
+HK$10,776/mo
Deposit HK$15.66M · loan HK$36.54M · min. income ≈ HK$354,224/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$2,218,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,408
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$190,381
−HK$5,044/mo
Today · 4.125%
HK$195,425
baseline
▲ 0.50% · 4.625%
HK$205,726
+HK$10,301/mo
Deposit HK$15.66M · loan HK$36.54M · min. income ≈ HK$390,850/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$2,218,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,278
−HK$13,437/mo
▼ 0.25% · 3.875%
HK$220,943
−HK$6,772/mo
Today · 4.125%
HK$227,715
baseline
▲ 0.50% · 4.625%
HK$241,571
+HK$13,856/mo
Deposit HK$5.22M · loan HK$46.99M · min. income ≈ HK$455,430/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,218,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,382
−HK$12,879/mo
▼ 0.25% · 3.875%
HK$244,775
−HK$6,486/mo
Today · 4.125%
HK$251,261
baseline
▲ 0.50% · 4.625%
HK$264,505
+HK$13,244/mo
Deposit HK$5.22M · loan HK$46.99M · min. income ≈ HK$502,522/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,218,758 · Scale 2, in force from 26 Feb 2026)