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$119,877
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$123,605
−HK$3,789/mo
Today · 4.125%
HK$127,394
baseline
▲ 0.50% · 4.625%
HK$135,145
+HK$7,751/mo
Deposit HK$26.29M · loan HK$26.29M · min. income ≈ HK$254,788/mo (50% DSR)
Upfront cash ≈ HK$28.52M (deposit + AVD stamp duty HK$2,234,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,361
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$136,938
−HK$3,629/mo
Today · 4.125%
HK$140,567
baseline
▲ 0.50% · 4.625%
HK$147,976
+HK$7,409/mo
Deposit HK$26.29M · loan HK$26.29M · min. income ≈ HK$281,134/mo (50% DSR)
Upfront cash ≈ HK$28.52M (deposit + AVD stamp duty HK$2,234,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,852
−HK$9,021/mo
▼ 0.25% · 3.875%
HK$148,326
−HK$4,547/mo
Today · 4.125%
HK$152,873
baseline
▲ 0.50% · 4.625%
HK$162,175
+HK$9,302/mo
Deposit HK$21.03M · loan HK$31.54M · min. income ≈ HK$305,746/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,234,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,034
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$164,326
−HK$4,354/mo
Today · 4.125%
HK$168,680
baseline
▲ 0.50% · 4.625%
HK$177,571
+HK$8,891/mo
Deposit HK$21.03M · loan HK$31.54M · min. income ≈ HK$337,360/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,234,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,827
−HK$10,524/mo
▼ 0.25% · 3.875%
HK$173,048
−HK$5,303/mo
Today · 4.125%
HK$178,351
baseline
▲ 0.50% · 4.625%
HK$189,204
+HK$10,853/mo
Deposit HK$15.77M · loan HK$36.80M · min. income ≈ HK$356,702/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$2,234,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,706
−HK$10,087/mo
▼ 0.25% · 3.875%
HK$191,713
−HK$5,080/mo
Today · 4.125%
HK$196,793
baseline
▲ 0.50% · 4.625%
HK$207,166
+HK$10,373/mo
Deposit HK$15.77M · loan HK$36.80M · min. income ≈ HK$393,586/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$2,234,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,778
−HK$13,531/mo
▼ 0.25% · 3.875%
HK$222,490
−HK$6,819/mo
Today · 4.125%
HK$229,309
baseline
▲ 0.50% · 4.625%
HK$243,262
+HK$13,953/mo
Deposit HK$5.26M · loan HK$47.31M · min. income ≈ HK$458,618/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,234,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,051
−HK$12,969/mo
▼ 0.25% · 3.875%
HK$246,489
−HK$6,531/mo
Today · 4.125%
HK$253,020
baseline
▲ 0.50% · 4.625%
HK$266,357
+HK$13,337/mo
Deposit HK$5.26M · loan HK$47.31M · min. income ≈ HK$506,040/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,234,290 · Scale 2, in force from 26 Feb 2026)