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$119,282
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,992
−HK$3,770/mo
Today · 4.125%
HK$126,762
baseline
▲ 0.50% · 4.625%
HK$134,475
+HK$7,713/mo
Deposit HK$26.16M · loan HK$26.16M · min. income ≈ HK$253,524/mo (50% DSR)
Upfront cash ≈ HK$28.38M (deposit + AVD stamp duty HK$2,223,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,700
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,259
−HK$3,610/mo
Today · 4.125%
HK$139,869
baseline
▲ 0.50% · 4.625%
HK$147,242
+HK$7,373/mo
Deposit HK$26.16M · loan HK$26.16M · min. income ≈ HK$279,738/mo (50% DSR)
Upfront cash ≈ HK$28.38M (deposit + AVD stamp duty HK$2,223,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,138
−HK$8,977/mo
▼ 0.25% · 3.875%
HK$147,591
−HK$4,524/mo
Today · 4.125%
HK$152,115
baseline
▲ 0.50% · 4.625%
HK$161,370
+HK$9,255/mo
Deposit HK$20.92M · loan HK$31.39M · min. income ≈ HK$304,230/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$2,223,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,240
−HK$8,603/mo
▼ 0.25% · 3.875%
HK$163,511
−HK$4,332/mo
Today · 4.125%
HK$167,843
baseline
▲ 0.50% · 4.625%
HK$176,691
+HK$8,848/mo
Deposit HK$20.92M · loan HK$31.39M · min. income ≈ HK$335,686/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$2,223,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,995
−HK$10,472/mo
▼ 0.25% · 3.875%
HK$172,189
−HK$5,278/mo
Today · 4.125%
HK$177,467
baseline
▲ 0.50% · 4.625%
HK$188,265
+HK$10,798/mo
Deposit HK$15.69M · loan HK$36.62M · min. income ≈ HK$354,934/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$2,223,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,780
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$190,763
−HK$5,054/mo
Today · 4.125%
HK$195,817
baseline
▲ 0.50% · 4.625%
HK$206,139
+HK$10,322/mo
Deposit HK$15.69M · loan HK$36.62M · min. income ≈ HK$391,634/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$2,223,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,708
−HK$13,464/mo
▼ 0.25% · 3.875%
HK$221,386
−HK$6,786/mo
Today · 4.125%
HK$228,172
baseline
▲ 0.50% · 4.625%
HK$242,055
+HK$13,883/mo
Deposit HK$5.23M · loan HK$47.08M · min. income ≈ HK$456,344/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,223,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,860
−HK$12,905/mo
▼ 0.25% · 3.875%
HK$245,266
−HK$6,499/mo
Today · 4.125%
HK$251,765
baseline
▲ 0.50% · 4.625%
HK$265,036
+HK$13,271/mo
Deposit HK$5.23M · loan HK$47.08M · min. income ≈ HK$503,530/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,223,210 · Scale 2, in force from 26 Feb 2026)