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$118,947
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$122,647
−HK$3,759/mo
Today · 4.125%
HK$126,406
baseline
▲ 0.50% · 4.625%
HK$134,097
+HK$7,691/mo
Deposit HK$26.08M · loan HK$26.08M · min. income ≈ HK$252,812/mo (50% DSR)
Upfront cash ≈ HK$28.30M (deposit + AVD stamp duty HK$2,216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,327
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$135,876
−HK$3,601/mo
Today · 4.125%
HK$139,477
baseline
▲ 0.50% · 4.625%
HK$146,829
+HK$7,352/mo
Deposit HK$26.08M · loan HK$26.08M · min. income ≈ HK$278,954/mo (50% DSR)
Upfront cash ≈ HK$28.30M (deposit + AVD stamp duty HK$2,216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,736
−HK$8,951/mo
▼ 0.25% · 3.875%
HK$147,176
−HK$4,511/mo
Today · 4.125%
HK$151,687
baseline
▲ 0.50% · 4.625%
HK$160,917
+HK$9,230/mo
Deposit HK$20.87M · loan HK$31.30M · min. income ≈ HK$303,374/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$2,216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,793
−HK$8,579/mo
▼ 0.25% · 3.875%
HK$163,051
−HK$4,321/mo
Today · 4.125%
HK$167,372
baseline
▲ 0.50% · 4.625%
HK$176,194
+HK$8,822/mo
Deposit HK$20.87M · loan HK$31.30M · min. income ≈ HK$334,744/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$2,216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,526
−HK$10,442/mo
▼ 0.25% · 3.875%
HK$171,706
−HK$5,262/mo
Today · 4.125%
HK$176,968
baseline
▲ 0.50% · 4.625%
HK$187,736
+HK$10,768/mo
Deposit HK$15.65M · loan HK$36.51M · min. income ≈ HK$353,936/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$2,216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,258
−HK$10,009/mo
▼ 0.25% · 3.875%
HK$190,227
−HK$5,040/mo
Today · 4.125%
HK$195,267
baseline
▲ 0.50% · 4.625%
HK$205,560
+HK$10,293/mo
Deposit HK$15.65M · loan HK$36.51M · min. income ≈ HK$390,534/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$2,216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,105
−HK$13,426/mo
▼ 0.25% · 3.875%
HK$220,764
−HK$6,767/mo
Today · 4.125%
HK$227,531
baseline
▲ 0.50% · 4.625%
HK$241,375
+HK$13,844/mo
Deposit HK$5.22M · loan HK$46.95M · min. income ≈ HK$455,062/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$2,216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,189
−HK$12,869/mo
▼ 0.25% · 3.875%
HK$244,577
−HK$6,481/mo
Today · 4.125%
HK$251,058
baseline
▲ 0.50% · 4.625%
HK$264,291
+HK$13,233/mo
Deposit HK$5.22M · loan HK$46.95M · min. income ≈ HK$502,116/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$2,216,964 · Scale 2, in force from 26 Feb 2026)