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$119,188
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$122,896
−HK$3,767/mo
Today · 4.125%
HK$126,663
baseline
▲ 0.50% · 4.625%
HK$134,370
+HK$7,707/mo
Deposit HK$26.13M · loan HK$26.13M · min. income ≈ HK$253,326/mo (50% DSR)
Upfront cash ≈ HK$28.36M (deposit + AVD stamp duty HK$2,221,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,596
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$136,152
−HK$3,608/mo
Today · 4.125%
HK$139,760
baseline
▲ 0.50% · 4.625%
HK$147,127
+HK$7,367/mo
Deposit HK$26.13M · loan HK$26.13M · min. income ≈ HK$279,520/mo (50% DSR)
Upfront cash ≈ HK$28.36M (deposit + AVD stamp duty HK$2,221,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,026
−HK$8,969/mo
▼ 0.25% · 3.875%
HK$147,475
−HK$4,520/mo
Today · 4.125%
HK$151,995
baseline
▲ 0.50% · 4.625%
HK$161,244
+HK$9,249/mo
Deposit HK$20.91M · loan HK$31.36M · min. income ≈ HK$303,990/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,221,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,115
−HK$8,597/mo
▼ 0.25% · 3.875%
HK$163,382
−HK$4,330/mo
Today · 4.125%
HK$167,712
baseline
▲ 0.50% · 4.625%
HK$176,552
+HK$8,840/mo
Deposit HK$20.91M · loan HK$31.36M · min. income ≈ HK$335,424/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,221,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,864
−HK$10,464/mo
▼ 0.25% · 3.875%
HK$172,054
−HK$5,274/mo
Today · 4.125%
HK$177,328
baseline
▲ 0.50% · 4.625%
HK$188,117
+HK$10,789/mo
Deposit HK$15.68M · loan HK$36.59M · min. income ≈ HK$354,656/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$2,221,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,634
−HK$10,029/mo
▼ 0.25% · 3.875%
HK$190,613
−HK$5,050/mo
Today · 4.125%
HK$195,663
baseline
▲ 0.50% · 4.625%
HK$205,977
+HK$10,314/mo
Deposit HK$15.68M · loan HK$36.59M · min. income ≈ HK$391,326/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$2,221,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,539
−HK$13,454/mo
▼ 0.25% · 3.875%
HK$221,212
−HK$6,781/mo
Today · 4.125%
HK$227,993
baseline
▲ 0.50% · 4.625%
HK$241,865
+HK$13,872/mo
Deposit HK$5.23M · loan HK$47.04M · min. income ≈ HK$455,986/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,221,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,673
−HK$12,894/mo
▼ 0.25% · 3.875%
HK$245,074
−HK$6,493/mo
Today · 4.125%
HK$251,567
baseline
▲ 0.50% · 4.625%
HK$264,828
+HK$13,261/mo
Deposit HK$5.23M · loan HK$47.04M · min. income ≈ HK$503,134/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,221,464 · Scale 2, in force from 26 Feb 2026)