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$120,687
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$124,441
−HK$3,814/mo
Today · 4.125%
HK$128,255
baseline
▲ 0.50% · 4.625%
HK$136,059
+HK$7,804/mo
Deposit HK$26.46M · loan HK$26.46M · min. income ≈ HK$256,510/mo (50% DSR)
Upfront cash ≈ HK$28.71M (deposit + AVD stamp duty HK$2,249,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,263
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$137,864
−HK$3,653/mo
Today · 4.125%
HK$141,517
baseline
▲ 0.50% · 4.625%
HK$148,976
+HK$7,459/mo
Deposit HK$26.46M · loan HK$26.46M · min. income ≈ HK$283,034/mo (50% DSR)
Upfront cash ≈ HK$28.71M (deposit + AVD stamp duty HK$2,249,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,824
−HK$9,082/mo
▼ 0.25% · 3.875%
HK$149,329
−HK$4,577/mo
Today · 4.125%
HK$153,906
baseline
▲ 0.50% · 4.625%
HK$163,271
+HK$9,365/mo
Deposit HK$21.17M · loan HK$31.76M · min. income ≈ HK$307,812/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$2,249,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,116
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$165,437
−HK$4,383/mo
Today · 4.125%
HK$169,820
baseline
▲ 0.50% · 4.625%
HK$178,772
+HK$8,952/mo
Deposit HK$21.17M · loan HK$31.76M · min. income ≈ HK$339,640/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$2,249,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,962
−HK$10,595/mo
▼ 0.25% · 3.875%
HK$174,217
−HK$5,340/mo
Today · 4.125%
HK$179,557
baseline
▲ 0.50% · 4.625%
HK$190,483
+HK$10,926/mo
Deposit HK$15.88M · loan HK$37.05M · min. income ≈ HK$359,114/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$2,249,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,968
−HK$10,156/mo
▼ 0.25% · 3.875%
HK$193,010
−HK$5,114/mo
Today · 4.125%
HK$198,124
baseline
▲ 0.50% · 4.625%
HK$208,567
+HK$10,443/mo
Deposit HK$15.88M · loan HK$37.05M · min. income ≈ HK$396,248/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$2,249,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,237
−HK$13,622/mo
▼ 0.25% · 3.875%
HK$223,994
−HK$6,865/mo
Today · 4.125%
HK$230,859
baseline
▲ 0.50% · 4.625%
HK$244,907
+HK$14,048/mo
Deposit HK$5.29M · loan HK$47.63M · min. income ≈ HK$461,718/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,249,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,674
−HK$13,056/mo
▼ 0.25% · 3.875%
HK$248,155
−HK$6,575/mo
Today · 4.125%
HK$254,730
baseline
▲ 0.50% · 4.625%
HK$268,158
+HK$13,428/mo
Deposit HK$5.29M · loan HK$47.63M · min. income ≈ HK$509,460/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,249,396 · Scale 2, in force from 26 Feb 2026)