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$118,764
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,458
−HK$3,753/mo
Today · 4.125%
HK$126,211
baseline
▲ 0.50% · 4.625%
HK$133,891
+HK$7,680/mo
Deposit HK$26.04M · loan HK$26.04M · min. income ≈ HK$252,422/mo (50% DSR)
Upfront cash ≈ HK$28.26M (deposit + AVD stamp duty HK$2,213,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,124
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,667
−HK$3,595/mo
Today · 4.125%
HK$139,262
baseline
▲ 0.50% · 4.625%
HK$146,602
+HK$7,340/mo
Deposit HK$26.04M · loan HK$26.04M · min. income ≈ HK$278,524/mo (50% DSR)
Upfront cash ≈ HK$28.26M (deposit + AVD stamp duty HK$2,213,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,517
−HK$8,937/mo
▼ 0.25% · 3.875%
HK$146,950
−HK$4,504/mo
Today · 4.125%
HK$151,454
baseline
▲ 0.50% · 4.625%
HK$160,669
+HK$9,215/mo
Deposit HK$20.83M · loan HK$31.25M · min. income ≈ HK$302,908/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$2,213,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,548
−HK$8,566/mo
▼ 0.25% · 3.875%
HK$162,800
−HK$4,314/mo
Today · 4.125%
HK$167,114
baseline
▲ 0.50% · 4.625%
HK$175,923
+HK$8,809/mo
Deposit HK$20.83M · loan HK$31.25M · min. income ≈ HK$334,228/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$2,213,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,269
−HK$10,427/mo
▼ 0.25% · 3.875%
HK$171,441
−HK$5,255/mo
Today · 4.125%
HK$176,696
baseline
▲ 0.50% · 4.625%
HK$187,447
+HK$10,751/mo
Deposit HK$15.63M · loan HK$36.46M · min. income ≈ HK$353,392/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,213,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,973
−HK$9,994/mo
▼ 0.25% · 3.875%
HK$189,934
−HK$5,033/mo
Today · 4.125%
HK$194,967
baseline
▲ 0.50% · 4.625%
HK$205,243
+HK$10,276/mo
Deposit HK$15.63M · loan HK$36.46M · min. income ≈ HK$389,934/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,213,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,775
−HK$13,405/mo
▼ 0.25% · 3.875%
HK$220,425
−HK$6,755/mo
Today · 4.125%
HK$227,180
baseline
▲ 0.50% · 4.625%
HK$241,004
+HK$13,824/mo
Deposit HK$5.21M · loan HK$46.88M · min. income ≈ HK$454,360/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,213,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,822
−HK$12,849/mo
▼ 0.25% · 3.875%
HK$244,201
−HK$6,470/mo
Today · 4.125%
HK$250,671
baseline
▲ 0.50% · 4.625%
HK$263,884
+HK$13,213/mo
Deposit HK$5.21M · loan HK$46.88M · min. income ≈ HK$501,342/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,213,551 · Scale 2, in force from 26 Feb 2026)