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$119,739
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,463
−HK$3,785/mo
Today · 4.125%
HK$127,248
baseline
▲ 0.50% · 4.625%
HK$134,990
+HK$7,742/mo
Deposit HK$26.26M · loan HK$26.26M · min. income ≈ HK$254,496/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,231,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,208
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$136,781
−HK$3,624/mo
Today · 4.125%
HK$140,405
baseline
▲ 0.50% · 4.625%
HK$147,806
+HK$7,401/mo
Deposit HK$26.26M · loan HK$26.26M · min. income ≈ HK$280,810/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,231,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,687
−HK$9,010/mo
▼ 0.25% · 3.875%
HK$148,156
−HK$4,541/mo
Today · 4.125%
HK$152,697
baseline
▲ 0.50% · 4.625%
HK$161,988
+HK$9,291/mo
Deposit HK$21.00M · loan HK$31.51M · min. income ≈ HK$305,394/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$2,231,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,850
−HK$8,636/mo
▼ 0.25% · 3.875%
HK$164,137
−HK$4,349/mo
Today · 4.125%
HK$168,486
baseline
▲ 0.50% · 4.625%
HK$177,367
+HK$8,881/mo
Deposit HK$21.00M · loan HK$31.51M · min. income ≈ HK$336,972/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$2,231,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,634
−HK$10,513/mo
▼ 0.25% · 3.875%
HK$172,849
−HK$5,298/mo
Today · 4.125%
HK$178,147
baseline
▲ 0.50% · 4.625%
HK$188,986
+HK$10,839/mo
Deposit HK$15.75M · loan HK$36.76M · min. income ≈ HK$356,294/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$2,231,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,492
−HK$10,075/mo
▼ 0.25% · 3.875%
HK$191,493
−HK$5,074/mo
Today · 4.125%
HK$196,567
baseline
▲ 0.50% · 4.625%
HK$206,929
+HK$10,362/mo
Deposit HK$15.75M · loan HK$36.76M · min. income ≈ HK$393,134/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$2,231,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,530
−HK$13,516/mo
▼ 0.25% · 3.875%
HK$222,234
−HK$6,812/mo
Today · 4.125%
HK$229,046
baseline
▲ 0.50% · 4.625%
HK$242,982
+HK$13,936/mo
Deposit HK$5.25M · loan HK$47.26M · min. income ≈ HK$458,092/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,231,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,775
−HK$12,954/mo
▼ 0.25% · 3.875%
HK$246,206
−HK$6,523/mo
Today · 4.125%
HK$252,729
baseline
▲ 0.50% · 4.625%
HK$266,051
+HK$13,322/mo
Deposit HK$5.25M · loan HK$47.26M · min. income ≈ HK$505,458/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,231,724 · Scale 2, in force from 26 Feb 2026)