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$119,168
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$122,875
−HK$3,766/mo
Today · 4.125%
HK$126,641
baseline
▲ 0.50% · 4.625%
HK$134,346
+HK$7,705/mo
Deposit HK$26.13M · loan HK$26.13M · min. income ≈ HK$253,282/mo (50% DSR)
Upfront cash ≈ HK$28.35M (deposit + AVD stamp duty HK$2,221,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,573
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$136,129
−HK$3,607/mo
Today · 4.125%
HK$139,736
baseline
▲ 0.50% · 4.625%
HK$147,101
+HK$7,365/mo
Deposit HK$26.13M · loan HK$26.13M · min. income ≈ HK$279,472/mo (50% DSR)
Upfront cash ≈ HK$28.35M (deposit + AVD stamp duty HK$2,221,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,001
−HK$8,968/mo
▼ 0.25% · 3.875%
HK$147,450
−HK$4,519/mo
Today · 4.125%
HK$151,969
baseline
▲ 0.50% · 4.625%
HK$161,216
+HK$9,247/mo
Deposit HK$20.90M · loan HK$31.36M · min. income ≈ HK$303,938/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,221,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,088
−HK$8,595/mo
▼ 0.25% · 3.875%
HK$163,354
−HK$4,329/mo
Today · 4.125%
HK$167,683
baseline
▲ 0.50% · 4.625%
HK$176,521
+HK$8,838/mo
Deposit HK$20.90M · loan HK$31.36M · min. income ≈ HK$335,366/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,221,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,835
−HK$10,462/mo
▼ 0.25% · 3.875%
HK$172,024
−HK$5,273/mo
Today · 4.125%
HK$177,297
baseline
▲ 0.50% · 4.625%
HK$188,085
+HK$10,788/mo
Deposit HK$15.68M · loan HK$36.58M · min. income ≈ HK$354,594/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$2,221,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,602
−HK$10,028/mo
▼ 0.25% · 3.875%
HK$190,580
−HK$5,050/mo
Today · 4.125%
HK$195,630
baseline
▲ 0.50% · 4.625%
HK$205,942
+HK$10,312/mo
Deposit HK$15.68M · loan HK$36.58M · min. income ≈ HK$391,260/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$2,221,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,502
−HK$13,451/mo
▼ 0.25% · 3.875%
HK$221,174
−HK$6,779/mo
Today · 4.125%
HK$227,953
baseline
▲ 0.50% · 4.625%
HK$241,824
+HK$13,871/mo
Deposit HK$5.23M · loan HK$47.03M · min. income ≈ HK$455,906/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,221,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,631
−HK$12,893/mo
▼ 0.25% · 3.875%
HK$245,031
−HK$6,493/mo
Today · 4.125%
HK$251,524
baseline
▲ 0.50% · 4.625%
HK$264,782
+HK$13,258/mo
Deposit HK$5.23M · loan HK$47.03M · min. income ≈ HK$503,048/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,221,081 · Scale 2, in force from 26 Feb 2026)