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$120,403
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$124,149
−HK$3,805/mo
Today · 4.125%
HK$127,954
baseline
▲ 0.50% · 4.625%
HK$135,739
+HK$7,785/mo
Deposit HK$26.40M · loan HK$26.40M · min. income ≈ HK$255,908/mo (50% DSR)
Upfront cash ≈ HK$28.65M (deposit + AVD stamp duty HK$2,244,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,947
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$137,540
−HK$3,644/mo
Today · 4.125%
HK$141,184
baseline
▲ 0.50% · 4.625%
HK$148,626
+HK$7,442/mo
Deposit HK$26.40M · loan HK$26.40M · min. income ≈ HK$282,368/mo (50% DSR)
Upfront cash ≈ HK$28.65M (deposit + AVD stamp duty HK$2,244,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,484
−HK$9,060/mo
▼ 0.25% · 3.875%
HK$148,978
−HK$4,566/mo
Today · 4.125%
HK$153,544
baseline
▲ 0.50% · 4.625%
HK$162,887
+HK$9,343/mo
Deposit HK$21.12M · loan HK$31.68M · min. income ≈ HK$307,088/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$2,244,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,737
−HK$8,684/mo
▼ 0.25% · 3.875%
HK$165,048
−HK$4,373/mo
Today · 4.125%
HK$169,421
baseline
▲ 0.50% · 4.625%
HK$178,351
+HK$8,930/mo
Deposit HK$21.12M · loan HK$31.68M · min. income ≈ HK$338,842/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$2,244,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,565
−HK$10,570/mo
▼ 0.25% · 3.875%
HK$173,808
−HK$5,327/mo
Today · 4.125%
HK$179,135
baseline
▲ 0.50% · 4.625%
HK$190,035
+HK$10,900/mo
Deposit HK$15.84M · loan HK$36.96M · min. income ≈ HK$358,270/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$2,244,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,526
−HK$10,132/mo
▼ 0.25% · 3.875%
HK$192,556
−HK$5,102/mo
Today · 4.125%
HK$197,658
baseline
▲ 0.50% · 4.625%
HK$208,077
+HK$10,419/mo
Deposit HK$15.84M · loan HK$36.96M · min. income ≈ HK$395,316/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$2,244,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,726
−HK$13,591/mo
▼ 0.25% · 3.875%
HK$223,467
−HK$6,850/mo
Today · 4.125%
HK$230,317
baseline
▲ 0.50% · 4.625%
HK$244,331
+HK$14,014/mo
Deposit HK$5.28M · loan HK$47.52M · min. income ≈ HK$460,634/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,244,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,105
−HK$13,027/mo
▼ 0.25% · 3.875%
HK$247,572
−HK$6,560/mo
Today · 4.125%
HK$254,132
baseline
▲ 0.50% · 4.625%
HK$267,527
+HK$13,395/mo
Deposit HK$5.28M · loan HK$47.52M · min. income ≈ HK$508,264/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,244,108 · Scale 2, in force from 26 Feb 2026)