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$118,744
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,437
−HK$3,753/mo
Today · 4.125%
HK$126,190
baseline
▲ 0.50% · 4.625%
HK$133,868
+HK$7,678/mo
Deposit HK$26.04M · loan HK$26.04M · min. income ≈ HK$252,380/mo (50% DSR)
Upfront cash ≈ HK$28.25M (deposit + AVD stamp duty HK$2,213,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,101
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,644
−HK$3,594/mo
Today · 4.125%
HK$139,238
baseline
▲ 0.50% · 4.625%
HK$146,578
+HK$7,340/mo
Deposit HK$26.04M · loan HK$26.04M · min. income ≈ HK$278,476/mo (50% DSR)
Upfront cash ≈ HK$28.25M (deposit + AVD stamp duty HK$2,213,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,493
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$146,925
−HK$4,503/mo
Today · 4.125%
HK$151,428
baseline
▲ 0.50% · 4.625%
HK$160,642
+HK$9,214/mo
Deposit HK$20.83M · loan HK$31.24M · min. income ≈ HK$302,856/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$2,213,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,522
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$162,773
−HK$4,313/mo
Today · 4.125%
HK$167,086
baseline
▲ 0.50% · 4.625%
HK$175,893
+HK$8,807/mo
Deposit HK$20.83M · loan HK$31.24M · min. income ≈ HK$334,172/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$2,213,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,241
−HK$10,425/mo
▼ 0.25% · 3.875%
HK$171,412
−HK$5,254/mo
Today · 4.125%
HK$176,666
baseline
▲ 0.50% · 4.625%
HK$187,416
+HK$10,750/mo
Deposit HK$15.62M · loan HK$36.45M · min. income ≈ HK$353,332/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,213,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,942
−HK$9,992/mo
▼ 0.25% · 3.875%
HK$189,902
−HK$5,032/mo
Today · 4.125%
HK$194,934
baseline
▲ 0.50% · 4.625%
HK$205,209
+HK$10,275/mo
Deposit HK$15.62M · loan HK$36.45M · min. income ≈ HK$389,868/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,213,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,739
−HK$13,403/mo
▼ 0.25% · 3.875%
HK$220,387
−HK$6,755/mo
Today · 4.125%
HK$227,142
baseline
▲ 0.50% · 4.625%
HK$240,963
+HK$13,821/mo
Deposit HK$5.21M · loan HK$46.87M · min. income ≈ HK$454,284/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,213,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,782
−HK$12,847/mo
▼ 0.25% · 3.875%
HK$244,160
−HK$6,469/mo
Today · 4.125%
HK$250,629
baseline
▲ 0.50% · 4.625%
HK$263,840
+HK$13,211/mo
Deposit HK$5.21M · loan HK$46.87M · min. income ≈ HK$501,258/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,213,178 · Scale 2, in force from 26 Feb 2026)