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$119,504
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$123,221
−HK$3,777/mo
Today · 4.125%
HK$126,998
baseline
▲ 0.50% · 4.625%
HK$134,725
+HK$7,727/mo
Deposit HK$26.20M · loan HK$26.20M · min. income ≈ HK$253,996/mo (50% DSR)
Upfront cash ≈ HK$28.43M (deposit + AVD stamp duty HK$2,227,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,947
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$136,512
−HK$3,617/mo
Today · 4.125%
HK$140,129
baseline
▲ 0.50% · 4.625%
HK$147,516
+HK$7,387/mo
Deposit HK$26.20M · loan HK$26.20M · min. income ≈ HK$280,258/mo (50% DSR)
Upfront cash ≈ HK$28.43M (deposit + AVD stamp duty HK$2,227,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,404
−HK$8,993/mo
▼ 0.25% · 3.875%
HK$147,865
−HK$4,532/mo
Today · 4.125%
HK$152,397
baseline
▲ 0.50% · 4.625%
HK$161,670
+HK$9,273/mo
Deposit HK$20.96M · loan HK$31.44M · min. income ≈ HK$304,794/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$2,227,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,536
−HK$8,619/mo
▼ 0.25% · 3.875%
HK$163,815
−HK$4,340/mo
Today · 4.125%
HK$168,155
baseline
▲ 0.50% · 4.625%
HK$177,019
+HK$8,864/mo
Deposit HK$20.96M · loan HK$31.44M · min. income ≈ HK$336,310/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$2,227,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,305
−HK$10,492/mo
▼ 0.25% · 3.875%
HK$172,509
−HK$5,288/mo
Today · 4.125%
HK$177,797
baseline
▲ 0.50% · 4.625%
HK$188,615
+HK$10,818/mo
Deposit HK$15.72M · loan HK$36.69M · min. income ≈ HK$355,594/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$2,227,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,125
−HK$10,056/mo
▼ 0.25% · 3.875%
HK$191,117
−HK$5,064/mo
Today · 4.125%
HK$196,181
baseline
▲ 0.50% · 4.625%
HK$206,522
+HK$10,341/mo
Deposit HK$15.72M · loan HK$36.69M · min. income ≈ HK$392,362/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$2,227,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,107
−HK$13,489/mo
▼ 0.25% · 3.875%
HK$221,798
−HK$6,798/mo
Today · 4.125%
HK$228,596
baseline
▲ 0.50% · 4.625%
HK$242,505
+HK$13,909/mo
Deposit HK$5.24M · loan HK$47.17M · min. income ≈ HK$457,192/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,227,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,304
−HK$12,929/mo
▼ 0.25% · 3.875%
HK$245,722
−HK$6,511/mo
Today · 4.125%
HK$252,233
baseline
▲ 0.50% · 4.625%
HK$265,528
+HK$13,295/mo
Deposit HK$5.24M · loan HK$47.17M · min. income ≈ HK$504,466/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,227,341 · Scale 2, in force from 26 Feb 2026)