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$118,717
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$122,410
−HK$3,752/mo
Today · 4.125%
HK$126,162
baseline
▲ 0.50% · 4.625%
HK$133,839
+HK$7,677/mo
Deposit HK$26.03M · loan HK$26.03M · min. income ≈ HK$252,324/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$2,212,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,072
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$135,614
−HK$3,593/mo
Today · 4.125%
HK$139,207
baseline
▲ 0.50% · 4.625%
HK$146,545
+HK$7,338/mo
Deposit HK$26.03M · loan HK$26.03M · min. income ≈ HK$278,414/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$2,212,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,461
−HK$8,934/mo
▼ 0.25% · 3.875%
HK$146,892
−HK$4,503/mo
Today · 4.125%
HK$151,395
baseline
▲ 0.50% · 4.625%
HK$160,607
+HK$9,212/mo
Deposit HK$20.83M · loan HK$31.24M · min. income ≈ HK$302,790/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$2,212,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,486
−HK$8,563/mo
▼ 0.25% · 3.875%
HK$162,737
−HK$4,312/mo
Today · 4.125%
HK$167,049
baseline
▲ 0.50% · 4.625%
HK$175,854
+HK$8,805/mo
Deposit HK$20.83M · loan HK$31.24M · min. income ≈ HK$334,098/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$2,212,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,204
−HK$10,423/mo
▼ 0.25% · 3.875%
HK$171,374
−HK$5,253/mo
Today · 4.125%
HK$176,627
baseline
▲ 0.50% · 4.625%
HK$187,374
+HK$10,747/mo
Deposit HK$15.62M · loan HK$36.44M · min. income ≈ HK$353,254/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$2,212,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,901
−HK$9,989/mo
▼ 0.25% · 3.875%
HK$189,860
−HK$5,030/mo
Today · 4.125%
HK$194,890
baseline
▲ 0.50% · 4.625%
HK$205,163
+HK$10,273/mo
Deposit HK$15.62M · loan HK$36.44M · min. income ≈ HK$389,780/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$2,212,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,691
−HK$13,401/mo
▼ 0.25% · 3.875%
HK$220,338
−HK$6,754/mo
Today · 4.125%
HK$227,092
baseline
▲ 0.50% · 4.625%
HK$240,910
+HK$13,818/mo
Deposit HK$5.21M · loan HK$46.86M · min. income ≈ HK$454,184/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,212,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,730
−HK$12,843/mo
▼ 0.25% · 3.875%
HK$244,105
−HK$6,468/mo
Today · 4.125%
HK$250,573
baseline
▲ 0.50% · 4.625%
HK$263,781
+HK$13,208/mo
Deposit HK$5.21M · loan HK$46.86M · min. income ≈ HK$501,146/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,212,687 · Scale 2, in force from 26 Feb 2026)