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$119,146
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,852
−HK$3,766/mo
Today · 4.125%
HK$126,618
baseline
▲ 0.50% · 4.625%
HK$134,322
+HK$7,704/mo
Deposit HK$26.13M · loan HK$26.13M · min. income ≈ HK$253,236/mo (50% DSR)
Upfront cash ≈ HK$28.35M (deposit + AVD stamp duty HK$2,220,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,549
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$136,104
−HK$3,606/mo
Today · 4.125%
HK$139,710
baseline
▲ 0.50% · 4.625%
HK$147,074
+HK$7,364/mo
Deposit HK$26.13M · loan HK$26.13M · min. income ≈ HK$279,420/mo (50% DSR)
Upfront cash ≈ HK$28.35M (deposit + AVD stamp duty HK$2,220,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,975
−HK$8,966/mo
▼ 0.25% · 3.875%
HK$147,423
−HK$4,518/mo
Today · 4.125%
HK$151,941
baseline
▲ 0.50% · 4.625%
HK$161,186
+HK$9,245/mo
Deposit HK$20.90M · loan HK$31.35M · min. income ≈ HK$303,882/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$2,220,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,059
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$163,324
−HK$4,328/mo
Today · 4.125%
HK$167,652
baseline
▲ 0.50% · 4.625%
HK$176,489
+HK$8,837/mo
Deposit HK$20.90M · loan HK$31.35M · min. income ≈ HK$335,304/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$2,220,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,805
−HK$10,460/mo
▼ 0.25% · 3.875%
HK$171,993
−HK$5,272/mo
Today · 4.125%
HK$177,265
baseline
▲ 0.50% · 4.625%
HK$188,051
+HK$10,786/mo
Deposit HK$15.68M · loan HK$36.58M · min. income ≈ HK$354,530/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$2,220,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,568
−HK$10,026/mo
▼ 0.25% · 3.875%
HK$190,545
−HK$5,049/mo
Today · 4.125%
HK$195,594
baseline
▲ 0.50% · 4.625%
HK$205,904
+HK$10,310/mo
Deposit HK$15.68M · loan HK$36.58M · min. income ≈ HK$391,188/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$2,220,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,463
−HK$13,449/mo
▼ 0.25% · 3.875%
HK$221,134
−HK$6,778/mo
Today · 4.125%
HK$227,912
baseline
▲ 0.50% · 4.625%
HK$241,780
+HK$13,868/mo
Deposit HK$5.23M · loan HK$47.03M · min. income ≈ HK$455,824/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,220,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,588
−HK$12,890/mo
▼ 0.25% · 3.875%
HK$244,987
−HK$6,491/mo
Today · 4.125%
HK$251,478
baseline
▲ 0.50% · 4.625%
HK$264,734
+HK$13,256/mo
Deposit HK$5.23M · loan HK$47.03M · min. income ≈ HK$502,956/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,220,675 · Scale 2, in force from 26 Feb 2026)