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$118,681
−HK$7,443/mo
▼ 0.25% · 3.875%
HK$122,373
−HK$3,751/mo
Today · 4.125%
HK$126,124
baseline
▲ 0.50% · 4.625%
HK$133,798
+HK$7,674/mo
Deposit HK$26.02M · loan HK$26.02M · min. income ≈ HK$252,248/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$2,212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,032
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$135,573
−HK$3,592/mo
Today · 4.125%
HK$139,165
baseline
▲ 0.50% · 4.625%
HK$146,500
+HK$7,335/mo
Deposit HK$26.02M · loan HK$26.02M · min. income ≈ HK$278,330/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$2,212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,417
−HK$8,931/mo
▼ 0.25% · 3.875%
HK$146,847
−HK$4,501/mo
Today · 4.125%
HK$151,348
baseline
▲ 0.50% · 4.625%
HK$160,557
+HK$9,209/mo
Deposit HK$20.82M · loan HK$31.23M · min. income ≈ HK$302,696/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$2,212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,438
−HK$8,560/mo
▼ 0.25% · 3.875%
HK$162,687
−HK$4,311/mo
Today · 4.125%
HK$166,998
baseline
▲ 0.50% · 4.625%
HK$175,801
+HK$8,803/mo
Deposit HK$20.82M · loan HK$31.23M · min. income ≈ HK$333,996/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$2,212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,154
−HK$10,419/mo
▼ 0.25% · 3.875%
HK$171,322
−HK$5,251/mo
Today · 4.125%
HK$176,573
baseline
▲ 0.50% · 4.625%
HK$187,317
+HK$10,744/mo
Deposit HK$15.61M · loan HK$36.43M · min. income ≈ HK$353,146/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$2,212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,844
−HK$9,987/mo
▼ 0.25% · 3.875%
HK$189,802
−HK$5,029/mo
Today · 4.125%
HK$194,831
baseline
▲ 0.50% · 4.625%
HK$205,101
+HK$10,270/mo
Deposit HK$15.61M · loan HK$36.43M · min. income ≈ HK$389,662/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$2,212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,626
−HK$13,396/mo
▼ 0.25% · 3.875%
HK$220,271
−HK$6,751/mo
Today · 4.125%
HK$227,022
baseline
▲ 0.50% · 4.625%
HK$240,836
+HK$13,814/mo
Deposit HK$5.20M · loan HK$46.84M · min. income ≈ HK$454,044/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,212,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,657
−HK$12,840/mo
▼ 0.25% · 3.875%
HK$244,031
−HK$6,466/mo
Today · 4.125%
HK$250,497
baseline
▲ 0.50% · 4.625%
HK$263,701
+HK$13,204/mo
Deposit HK$5.20M · loan HK$46.84M · min. income ≈ HK$500,994/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,212,010 · Scale 2, in force from 26 Feb 2026)