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$119,665
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$123,387
−HK$3,782/mo
Today · 4.125%
HK$127,169
baseline
▲ 0.50% · 4.625%
HK$134,907
+HK$7,738/mo
Deposit HK$26.24M · loan HK$26.24M · min. income ≈ HK$254,338/mo (50% DSR)
Upfront cash ≈ HK$28.47M (deposit + AVD stamp duty HK$2,230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,126
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$136,696
−HK$3,622/mo
Today · 4.125%
HK$140,318
baseline
▲ 0.50% · 4.625%
HK$147,715
+HK$7,397/mo
Deposit HK$26.24M · loan HK$26.24M · min. income ≈ HK$280,636/mo (50% DSR)
Upfront cash ≈ HK$28.47M (deposit + AVD stamp duty HK$2,230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,598
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$148,064
−HK$4,539/mo
Today · 4.125%
HK$152,603
baseline
▲ 0.50% · 4.625%
HK$161,888
+HK$9,285/mo
Deposit HK$20.99M · loan HK$31.49M · min. income ≈ HK$305,206/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$2,230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,751
−HK$8,631/mo
▼ 0.25% · 3.875%
HK$164,035
−HK$4,347/mo
Today · 4.125%
HK$168,382
baseline
▲ 0.50% · 4.625%
HK$177,258
+HK$8,876/mo
Deposit HK$20.99M · loan HK$31.49M · min. income ≈ HK$336,764/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$2,230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,531
−HK$10,505/mo
▼ 0.25% · 3.875%
HK$172,742
−HK$5,294/mo
Today · 4.125%
HK$178,036
baseline
▲ 0.50% · 4.625%
HK$188,869
+HK$10,833/mo
Deposit HK$15.74M · loan HK$36.74M · min. income ≈ HK$356,072/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$2,230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,376
−HK$10,070/mo
▼ 0.25% · 3.875%
HK$191,375
−HK$5,071/mo
Today · 4.125%
HK$196,446
baseline
▲ 0.50% · 4.625%
HK$206,800
+HK$10,354/mo
Deposit HK$15.74M · loan HK$36.74M · min. income ≈ HK$392,892/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$2,230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,397
−HK$13,507/mo
▼ 0.25% · 3.875%
HK$222,097
−HK$6,807/mo
Today · 4.125%
HK$228,904
baseline
▲ 0.50% · 4.625%
HK$242,832
+HK$13,928/mo
Deposit HK$5.25M · loan HK$47.23M · min. income ≈ HK$457,808/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,627
−HK$12,946/mo
▼ 0.25% · 3.875%
HK$246,053
−HK$6,520/mo
Today · 4.125%
HK$252,573
baseline
▲ 0.50% · 4.625%
HK$265,886
+HK$13,313/mo
Deposit HK$5.25M · loan HK$47.23M · min. income ≈ HK$505,146/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,230,343 · Scale 2, in force from 26 Feb 2026)