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$119,747
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,472
−HK$3,784/mo
Today · 4.125%
HK$127,256
baseline
▲ 0.50% · 4.625%
HK$135,000
+HK$7,744/mo
Deposit HK$26.26M · loan HK$26.26M · min. income ≈ HK$254,512/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,231,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,218
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$136,790
−HK$3,625/mo
Today · 4.125%
HK$140,415
baseline
▲ 0.50% · 4.625%
HK$147,816
+HK$7,401/mo
Deposit HK$26.26M · loan HK$26.26M · min. income ≈ HK$280,830/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,231,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,697
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$148,166
−HK$4,542/mo
Today · 4.125%
HK$152,708
baseline
▲ 0.50% · 4.625%
HK$162,000
+HK$9,292/mo
Deposit HK$21.01M · loan HK$31.51M · min. income ≈ HK$305,416/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$2,231,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,861
−HK$8,637/mo
▼ 0.25% · 3.875%
HK$164,148
−HK$4,350/mo
Today · 4.125%
HK$168,498
baseline
▲ 0.50% · 4.625%
HK$177,380
+HK$8,882/mo
Deposit HK$21.01M · loan HK$31.51M · min. income ≈ HK$336,996/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$2,231,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,646
−HK$10,513/mo
▼ 0.25% · 3.875%
HK$172,861
−HK$5,298/mo
Today · 4.125%
HK$178,159
baseline
▲ 0.50% · 4.625%
HK$189,000
+HK$10,841/mo
Deposit HK$15.75M · loan HK$36.76M · min. income ≈ HK$356,318/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$2,231,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,505
−HK$10,076/mo
▼ 0.25% · 3.875%
HK$191,507
−HK$5,074/mo
Today · 4.125%
HK$196,581
baseline
▲ 0.50% · 4.625%
HK$206,943
+HK$10,362/mo
Deposit HK$15.75M · loan HK$36.76M · min. income ≈ HK$393,162/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$2,231,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,545
−HK$13,517/mo
▼ 0.25% · 3.875%
HK$222,250
−HK$6,812/mo
Today · 4.125%
HK$229,062
baseline
▲ 0.50% · 4.625%
HK$242,999
+HK$13,937/mo
Deposit HK$5.25M · loan HK$47.26M · min. income ≈ HK$458,124/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,231,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,792
−HK$12,955/mo
▼ 0.25% · 3.875%
HK$246,223
−HK$6,524/mo
Today · 4.125%
HK$252,747
baseline
▲ 0.50% · 4.625%
HK$266,069
+HK$13,322/mo
Deposit HK$5.25M · loan HK$47.26M · min. income ≈ HK$505,494/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,231,879 · Scale 2, in force from 26 Feb 2026)