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$119,415
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$123,129
−HK$3,774/mo
Today · 4.125%
HK$126,903
baseline
▲ 0.50% · 4.625%
HK$134,625
+HK$7,722/mo
Deposit HK$26.18M · loan HK$26.18M · min. income ≈ HK$253,806/mo (50% DSR)
Upfront cash ≈ HK$28.41M (deposit + AVD stamp duty HK$2,225,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,848
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,410
−HK$3,615/mo
Today · 4.125%
HK$140,025
baseline
▲ 0.50% · 4.625%
HK$147,406
+HK$7,381/mo
Deposit HK$26.18M · loan HK$26.18M · min. income ≈ HK$280,050/mo (50% DSR)
Upfront cash ≈ HK$28.41M (deposit + AVD stamp duty HK$2,225,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,298
−HK$8,986/mo
▼ 0.25% · 3.875%
HK$147,755
−HK$4,529/mo
Today · 4.125%
HK$152,284
baseline
▲ 0.50% · 4.625%
HK$161,550
+HK$9,266/mo
Deposit HK$20.95M · loan HK$31.42M · min. income ≈ HK$304,568/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,225,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,417
−HK$8,613/mo
▼ 0.25% · 3.875%
HK$163,693
−HK$4,337/mo
Today · 4.125%
HK$168,030
baseline
▲ 0.50% · 4.625%
HK$176,887
+HK$8,857/mo
Deposit HK$20.95M · loan HK$31.42M · min. income ≈ HK$336,060/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,225,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,180
−HK$10,484/mo
▼ 0.25% · 3.875%
HK$172,381
−HK$5,283/mo
Today · 4.125%
HK$177,664
baseline
▲ 0.50% · 4.625%
HK$188,475
+HK$10,811/mo
Deposit HK$15.71M · loan HK$36.66M · min. income ≈ HK$355,328/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$2,225,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,987
−HK$10,048/mo
▼ 0.25% · 3.875%
HK$190,975
−HK$5,060/mo
Today · 4.125%
HK$196,035
baseline
▲ 0.50% · 4.625%
HK$206,368
+HK$10,333/mo
Deposit HK$15.71M · loan HK$36.66M · min. income ≈ HK$392,070/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$2,225,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,946
−HK$13,479/mo
▼ 0.25% · 3.875%
HK$221,632
−HK$6,793/mo
Today · 4.125%
HK$228,425
baseline
▲ 0.50% · 4.625%
HK$242,324
+HK$13,899/mo
Deposit HK$5.24M · loan HK$47.13M · min. income ≈ HK$456,850/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,225,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,126
−HK$12,919/mo
▼ 0.25% · 3.875%
HK$245,539
−HK$6,506/mo
Today · 4.125%
HK$252,045
baseline
▲ 0.50% · 4.625%
HK$265,330
+HK$13,285/mo
Deposit HK$5.24M · loan HK$47.13M · min. income ≈ HK$504,090/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,225,680 · Scale 2, in force from 26 Feb 2026)