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$120,609
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$124,361
−HK$3,811/mo
Today · 4.125%
HK$128,172
baseline
▲ 0.50% · 4.625%
HK$135,971
+HK$7,799/mo
Deposit HK$26.45M · loan HK$26.45M · min. income ≈ HK$256,344/mo (50% DSR)
Upfront cash ≈ HK$28.69M (deposit + AVD stamp duty HK$2,247,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,176
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$137,775
−HK$3,651/mo
Today · 4.125%
HK$141,426
baseline
▲ 0.50% · 4.625%
HK$148,880
+HK$7,454/mo
Deposit HK$26.45M · loan HK$26.45M · min. income ≈ HK$282,852/mo (50% DSR)
Upfront cash ≈ HK$28.69M (deposit + AVD stamp duty HK$2,247,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,731
−HK$9,076/mo
▼ 0.25% · 3.875%
HK$149,233
−HK$4,574/mo
Today · 4.125%
HK$153,807
baseline
▲ 0.50% · 4.625%
HK$163,166
+HK$9,359/mo
Deposit HK$21.16M · loan HK$31.74M · min. income ≈ HK$307,614/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$2,247,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,012
−HK$8,699/mo
▼ 0.25% · 3.875%
HK$165,330
−HK$4,381/mo
Today · 4.125%
HK$169,711
baseline
▲ 0.50% · 4.625%
HK$178,656
+HK$8,945/mo
Deposit HK$21.16M · loan HK$31.74M · min. income ≈ HK$339,422/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$2,247,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,853
−HK$10,588/mo
▼ 0.25% · 3.875%
HK$174,105
−HK$5,336/mo
Today · 4.125%
HK$179,441
baseline
▲ 0.50% · 4.625%
HK$190,360
+HK$10,919/mo
Deposit HK$15.87M · loan HK$37.02M · min. income ≈ HK$358,882/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$2,247,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,847
−HK$10,149/mo
▼ 0.25% · 3.875%
HK$192,885
−HK$5,111/mo
Today · 4.125%
HK$197,996
baseline
▲ 0.50% · 4.625%
HK$208,432
+HK$10,436/mo
Deposit HK$15.87M · loan HK$37.02M · min. income ≈ HK$395,992/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$2,247,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,096
−HK$13,614/mo
▼ 0.25% · 3.875%
HK$223,849
−HK$6,861/mo
Today · 4.125%
HK$230,710
baseline
▲ 0.50% · 4.625%
HK$244,748
+HK$14,038/mo
Deposit HK$5.29M · loan HK$47.60M · min. income ≈ HK$461,420/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,247,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,517
−HK$13,049/mo
▼ 0.25% · 3.875%
HK$247,995
−HK$6,571/mo
Today · 4.125%
HK$254,566
baseline
▲ 0.50% · 4.625%
HK$267,984
+HK$13,418/mo
Deposit HK$5.29M · loan HK$47.60M · min. income ≈ HK$509,132/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,247,943 · Scale 2, in force from 26 Feb 2026)