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$120,240
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$123,980
−HK$3,800/mo
Today · 4.125%
HK$127,780
baseline
▲ 0.50% · 4.625%
HK$135,555
+HK$7,775/mo
Deposit HK$26.37M · loan HK$26.37M · min. income ≈ HK$255,560/mo (50% DSR)
Upfront cash ≈ HK$28.61M (deposit + AVD stamp duty HK$2,241,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,766
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$137,353
−HK$3,640/mo
Today · 4.125%
HK$140,993
baseline
▲ 0.50% · 4.625%
HK$148,425
+HK$7,432/mo
Deposit HK$26.37M · loan HK$26.37M · min. income ≈ HK$281,986/mo (50% DSR)
Upfront cash ≈ HK$28.61M (deposit + AVD stamp duty HK$2,241,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,288
−HK$9,048/mo
▼ 0.25% · 3.875%
HK$148,776
−HK$4,560/mo
Today · 4.125%
HK$153,336
baseline
▲ 0.50% · 4.625%
HK$162,666
+HK$9,330/mo
Deposit HK$21.09M · loan HK$31.64M · min. income ≈ HK$306,672/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$2,241,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,519
−HK$8,672/mo
▼ 0.25% · 3.875%
HK$164,824
−HK$4,367/mo
Today · 4.125%
HK$169,191
baseline
▲ 0.50% · 4.625%
HK$178,110
+HK$8,919/mo
Deposit HK$21.09M · loan HK$31.64M · min. income ≈ HK$338,382/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$2,241,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,336
−HK$10,556/mo
▼ 0.25% · 3.875%
HK$173,572
−HK$5,320/mo
Today · 4.125%
HK$178,892
baseline
▲ 0.50% · 4.625%
HK$189,777
+HK$10,885/mo
Deposit HK$15.82M · loan HK$36.91M · min. income ≈ HK$357,784/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$2,241,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,272
−HK$10,118/mo
▼ 0.25% · 3.875%
HK$192,295
−HK$5,095/mo
Today · 4.125%
HK$197,390
baseline
▲ 0.50% · 4.625%
HK$207,795
+HK$10,405/mo
Deposit HK$15.82M · loan HK$36.91M · min. income ≈ HK$394,780/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$2,241,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,432
−HK$13,572/mo
▼ 0.25% · 3.875%
HK$223,164
−HK$6,840/mo
Today · 4.125%
HK$230,004
baseline
▲ 0.50% · 4.625%
HK$243,999
+HK$13,995/mo
Deposit HK$5.27M · loan HK$47.46M · min. income ≈ HK$460,008/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$2,241,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,778
−HK$13,009/mo
▼ 0.25% · 3.875%
HK$247,236
−HK$6,551/mo
Today · 4.125%
HK$253,787
baseline
▲ 0.50% · 4.625%
HK$267,164
+HK$13,377/mo
Deposit HK$5.27M · loan HK$47.46M · min. income ≈ HK$507,574/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$2,241,064 · Scale 2, in force from 26 Feb 2026)