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$119,482
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$123,198
−HK$3,776/mo
Today · 4.125%
HK$126,974
baseline
▲ 0.50% · 4.625%
HK$134,700
+HK$7,726/mo
Deposit HK$26.20M · loan HK$26.20M · min. income ≈ HK$253,948/mo (50% DSR)
Upfront cash ≈ HK$28.43M (deposit + AVD stamp duty HK$2,226,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,922
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,487
−HK$3,616/mo
Today · 4.125%
HK$140,103
baseline
▲ 0.50% · 4.625%
HK$147,488
+HK$7,385/mo
Deposit HK$26.20M · loan HK$26.20M · min. income ≈ HK$280,206/mo (50% DSR)
Upfront cash ≈ HK$28.43M (deposit + AVD stamp duty HK$2,226,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,378
−HK$8,991/mo
▼ 0.25% · 3.875%
HK$147,838
−HK$4,531/mo
Today · 4.125%
HK$152,369
baseline
▲ 0.50% · 4.625%
HK$161,640
+HK$9,271/mo
Deposit HK$20.96M · loan HK$31.44M · min. income ≈ HK$304,738/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$2,226,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,506
−HK$8,618/mo
▼ 0.25% · 3.875%
HK$163,784
−HK$4,340/mo
Today · 4.125%
HK$168,124
baseline
▲ 0.50% · 4.625%
HK$176,986
+HK$8,862/mo
Deposit HK$20.96M · loan HK$31.44M · min. income ≈ HK$336,248/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$2,226,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,274
−HK$10,490/mo
▼ 0.25% · 3.875%
HK$172,477
−HK$5,287/mo
Today · 4.125%
HK$177,764
baseline
▲ 0.50% · 4.625%
HK$188,580
+HK$10,816/mo
Deposit HK$15.72M · loan HK$36.68M · min. income ≈ HK$355,528/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$2,226,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,091
−HK$10,054/mo
▼ 0.25% · 3.875%
HK$191,082
−HK$5,063/mo
Today · 4.125%
HK$196,145
baseline
▲ 0.50% · 4.625%
HK$206,484
+HK$10,339/mo
Deposit HK$15.72M · loan HK$36.68M · min. income ≈ HK$392,290/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$2,226,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,067
−HK$13,486/mo
▼ 0.25% · 3.875%
HK$221,757
−HK$6,796/mo
Today · 4.125%
HK$228,553
baseline
▲ 0.50% · 4.625%
HK$242,460
+HK$13,907/mo
Deposit HK$5.24M · loan HK$47.16M · min. income ≈ HK$457,106/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,226,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,260
−HK$12,926/mo
▼ 0.25% · 3.875%
HK$245,676
−HK$6,510/mo
Today · 4.125%
HK$252,186
baseline
▲ 0.50% · 4.625%
HK$265,479
+HK$13,293/mo
Deposit HK$5.24M · loan HK$47.16M · min. income ≈ HK$504,372/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,226,928 · Scale 2, in force from 26 Feb 2026)