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$119,034
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,737
−HK$3,762/mo
Today · 4.125%
HK$126,499
baseline
▲ 0.50% · 4.625%
HK$134,196
+HK$7,697/mo
Deposit HK$26.10M · loan HK$26.10M · min. income ≈ HK$252,998/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,218,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,425
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$135,976
−HK$3,603/mo
Today · 4.125%
HK$139,579
baseline
▲ 0.50% · 4.625%
HK$146,937
+HK$7,358/mo
Deposit HK$26.10M · loan HK$26.10M · min. income ≈ HK$279,158/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,218,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,841
−HK$8,958/mo
▼ 0.25% · 3.875%
HK$147,285
−HK$4,514/mo
Today · 4.125%
HK$151,799
baseline
▲ 0.50% · 4.625%
HK$161,035
+HK$9,236/mo
Deposit HK$20.88M · loan HK$31.32M · min. income ≈ HK$303,598/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$2,218,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,910
−HK$8,585/mo
▼ 0.25% · 3.875%
HK$163,171
−HK$4,324/mo
Today · 4.125%
HK$167,495
baseline
▲ 0.50% · 4.625%
HK$176,324
+HK$8,829/mo
Deposit HK$20.88M · loan HK$31.32M · min. income ≈ HK$334,990/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$2,218,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,648
−HK$10,451/mo
▼ 0.25% · 3.875%
HK$171,832
−HK$5,267/mo
Today · 4.125%
HK$177,099
baseline
▲ 0.50% · 4.625%
HK$187,875
+HK$10,776/mo
Deposit HK$15.66M · loan HK$36.54M · min. income ≈ HK$354,198/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$2,218,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,394
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$190,367
−HK$5,044/mo
Today · 4.125%
HK$195,411
baseline
▲ 0.50% · 4.625%
HK$205,711
+HK$10,300/mo
Deposit HK$15.66M · loan HK$36.54M · min. income ≈ HK$390,822/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$2,218,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,262
−HK$13,436/mo
▼ 0.25% · 3.875%
HK$220,927
−HK$6,771/mo
Today · 4.125%
HK$227,698
baseline
▲ 0.50% · 4.625%
HK$241,553
+HK$13,855/mo
Deposit HK$5.22M · loan HK$46.98M · min. income ≈ HK$455,396/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,218,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,364
−HK$12,878/mo
▼ 0.25% · 3.875%
HK$244,757
−HK$6,485/mo
Today · 4.125%
HK$251,242
baseline
▲ 0.50% · 4.625%
HK$264,486
+HK$13,244/mo
Deposit HK$5.22M · loan HK$46.98M · min. income ≈ HK$502,484/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,218,595 · Scale 2, in force from 26 Feb 2026)