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$120,511
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$124,259
−HK$3,809/mo
Today · 4.125%
HK$128,068
baseline
▲ 0.50% · 4.625%
HK$135,860
+HK$7,792/mo
Deposit HK$26.42M · loan HK$26.42M · min. income ≈ HK$256,136/mo (50% DSR)
Upfront cash ≈ HK$28.67M (deposit + AVD stamp duty HK$2,246,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,067
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$137,662
−HK$3,648/mo
Today · 4.125%
HK$141,310
baseline
▲ 0.50% · 4.625%
HK$148,759
+HK$7,449/mo
Deposit HK$26.42M · loan HK$26.42M · min. income ≈ HK$282,620/mo (50% DSR)
Upfront cash ≈ HK$28.67M (deposit + AVD stamp duty HK$2,246,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,613
−HK$9,068/mo
▼ 0.25% · 3.875%
HK$149,111
−HK$4,570/mo
Today · 4.125%
HK$153,681
baseline
▲ 0.50% · 4.625%
HK$163,032
+HK$9,351/mo
Deposit HK$21.14M · loan HK$31.71M · min. income ≈ HK$307,362/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,246,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,880
−HK$8,692/mo
▼ 0.25% · 3.875%
HK$165,195
−HK$4,377/mo
Today · 4.125%
HK$169,572
baseline
▲ 0.50% · 4.625%
HK$178,510
+HK$8,938/mo
Deposit HK$21.14M · loan HK$31.71M · min. income ≈ HK$339,144/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,246,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,715
−HK$10,580/mo
▼ 0.25% · 3.875%
HK$173,963
−HK$5,332/mo
Today · 4.125%
HK$179,295
baseline
▲ 0.50% · 4.625%
HK$190,204
+HK$10,909/mo
Deposit HK$15.85M · loan HK$36.99M · min. income ≈ HK$358,590/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$2,246,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,694
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$192,727
−HK$5,107/mo
Today · 4.125%
HK$197,834
baseline
▲ 0.50% · 4.625%
HK$208,262
+HK$10,428/mo
Deposit HK$15.85M · loan HK$36.99M · min. income ≈ HK$395,668/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$2,246,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,919
−HK$13,603/mo
▼ 0.25% · 3.875%
HK$223,666
−HK$6,856/mo
Today · 4.125%
HK$230,522
baseline
▲ 0.50% · 4.625%
HK$244,548
+HK$14,026/mo
Deposit HK$5.28M · loan HK$47.56M · min. income ≈ HK$461,044/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,246,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,320
−HK$13,038/mo
▼ 0.25% · 3.875%
HK$247,792
−HK$6,566/mo
Today · 4.125%
HK$254,358
baseline
▲ 0.50% · 4.625%
HK$267,766
+HK$13,408/mo
Deposit HK$5.28M · loan HK$47.56M · min. income ≈ HK$508,716/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,246,107 · Scale 2, in force from 26 Feb 2026)