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$119,920
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$123,650
−HK$3,790/mo
Today · 4.125%
HK$127,440
baseline
▲ 0.50% · 4.625%
HK$135,194
+HK$7,754/mo
Deposit HK$26.30M · loan HK$26.30M · min. income ≈ HK$254,880/mo (50% DSR)
Upfront cash ≈ HK$28.53M (deposit + AVD stamp duty HK$2,235,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,410
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$136,988
−HK$3,629/mo
Today · 4.125%
HK$140,617
baseline
▲ 0.50% · 4.625%
HK$148,030
+HK$7,413/mo
Deposit HK$26.30M · loan HK$26.30M · min. income ≈ HK$281,234/mo (50% DSR)
Upfront cash ≈ HK$28.53M (deposit + AVD stamp duty HK$2,235,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,904
−HK$9,024/mo
▼ 0.25% · 3.875%
HK$148,380
−HK$4,548/mo
Today · 4.125%
HK$152,928
baseline
▲ 0.50% · 4.625%
HK$162,233
+HK$9,305/mo
Deposit HK$21.04M · loan HK$31.55M · min. income ≈ HK$305,856/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$2,235,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,092
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$164,385
−HK$4,356/mo
Today · 4.125%
HK$168,741
baseline
▲ 0.50% · 4.625%
HK$177,635
+HK$8,894/mo
Deposit HK$21.04M · loan HK$31.55M · min. income ≈ HK$337,482/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$2,235,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,888
−HK$10,528/mo
▼ 0.25% · 3.875%
HK$173,110
−HK$5,306/mo
Today · 4.125%
HK$178,416
baseline
▲ 0.50% · 4.625%
HK$189,272
+HK$10,856/mo
Deposit HK$15.78M · loan HK$36.81M · min. income ≈ HK$356,832/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$2,235,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,774
−HK$10,090/mo
▼ 0.25% · 3.875%
HK$191,783
−HK$5,081/mo
Today · 4.125%
HK$196,864
baseline
▲ 0.50% · 4.625%
HK$207,241
+HK$10,377/mo
Deposit HK$15.78M · loan HK$36.81M · min. income ≈ HK$393,728/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$2,235,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,856
−HK$13,536/mo
▼ 0.25% · 3.875%
HK$222,570
−HK$6,822/mo
Today · 4.125%
HK$229,392
baseline
▲ 0.50% · 4.625%
HK$243,350
+HK$13,958/mo
Deposit HK$5.26M · loan HK$47.33M · min. income ≈ HK$458,784/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,235,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,137
−HK$12,974/mo
▼ 0.25% · 3.875%
HK$246,578
−HK$6,533/mo
Today · 4.125%
HK$253,111
baseline
▲ 0.50% · 4.625%
HK$266,453
+HK$13,342/mo
Deposit HK$5.26M · loan HK$47.33M · min. income ≈ HK$506,222/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,235,098 · Scale 2, in force from 26 Feb 2026)