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$119,053
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,756
−HK$3,762/mo
Today · 4.125%
HK$126,518
baseline
▲ 0.50% · 4.625%
HK$134,216
+HK$7,698/mo
Deposit HK$26.11M · loan HK$26.11M · min. income ≈ HK$253,036/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,218,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,445
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$135,997
−HK$3,603/mo
Today · 4.125%
HK$139,600
baseline
▲ 0.50% · 4.625%
HK$146,959
+HK$7,359/mo
Deposit HK$26.11M · loan HK$26.11M · min. income ≈ HK$279,200/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,218,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,863
−HK$8,959/mo
▼ 0.25% · 3.875%
HK$147,307
−HK$4,515/mo
Today · 4.125%
HK$151,822
baseline
▲ 0.50% · 4.625%
HK$161,060
+HK$9,238/mo
Deposit HK$20.88M · loan HK$31.33M · min. income ≈ HK$303,644/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$2,218,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,934
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$163,196
−HK$4,324/mo
Today · 4.125%
HK$167,520
baseline
▲ 0.50% · 4.625%
HK$176,351
+HK$8,831/mo
Deposit HK$20.88M · loan HK$31.33M · min. income ≈ HK$335,040/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$2,218,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,674
−HK$10,451/mo
▼ 0.25% · 3.875%
HK$171,858
−HK$5,267/mo
Today · 4.125%
HK$177,125
baseline
▲ 0.50% · 4.625%
HK$187,903
+HK$10,778/mo
Deposit HK$15.66M · loan HK$36.55M · min. income ≈ HK$354,250/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$2,218,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,423
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$190,396
−HK$5,044/mo
Today · 4.125%
HK$195,440
baseline
▲ 0.50% · 4.625%
HK$205,742
+HK$10,302/mo
Deposit HK$15.66M · loan HK$36.55M · min. income ≈ HK$390,880/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$2,218,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,295
−HK$13,438/mo
▼ 0.25% · 3.875%
HK$220,960
−HK$6,773/mo
Today · 4.125%
HK$227,733
baseline
▲ 0.50% · 4.625%
HK$241,590
+HK$13,857/mo
Deposit HK$5.22M · loan HK$46.99M · min. income ≈ HK$455,466/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,218,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,401
−HK$12,880/mo
▼ 0.25% · 3.875%
HK$244,794
−HK$6,487/mo
Today · 4.125%
HK$251,281
baseline
▲ 0.50% · 4.625%
HK$264,526
+HK$13,245/mo
Deposit HK$5.22M · loan HK$46.99M · min. income ≈ HK$502,562/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,218,932 · Scale 2, in force from 26 Feb 2026)