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$119,199
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$122,907
−HK$3,767/mo
Today · 4.125%
HK$126,674
baseline
▲ 0.50% · 4.625%
HK$134,382
+HK$7,708/mo
Deposit HK$26.14M · loan HK$26.14M · min. income ≈ HK$253,348/mo (50% DSR)
Upfront cash ≈ HK$28.36M (deposit + AVD stamp duty HK$2,221,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,608
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$136,164
−HK$3,608/mo
Today · 4.125%
HK$139,772
baseline
▲ 0.50% · 4.625%
HK$147,140
+HK$7,368/mo
Deposit HK$26.14M · loan HK$26.14M · min. income ≈ HK$279,544/mo (50% DSR)
Upfront cash ≈ HK$28.36M (deposit + AVD stamp duty HK$2,221,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,039
−HK$8,970/mo
▼ 0.25% · 3.875%
HK$147,488
−HK$4,521/mo
Today · 4.125%
HK$152,009
baseline
▲ 0.50% · 4.625%
HK$161,258
+HK$9,249/mo
Deposit HK$20.91M · loan HK$31.36M · min. income ≈ HK$304,018/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,221,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,129
−HK$8,598/mo
▼ 0.25% · 3.875%
HK$163,397
−HK$4,330/mo
Today · 4.125%
HK$167,727
baseline
▲ 0.50% · 4.625%
HK$176,568
+HK$8,841/mo
Deposit HK$20.91M · loan HK$31.36M · min. income ≈ HK$335,454/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,221,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,879
−HK$10,465/mo
▼ 0.25% · 3.875%
HK$172,070
−HK$5,274/mo
Today · 4.125%
HK$177,344
baseline
▲ 0.50% · 4.625%
HK$188,134
+HK$10,790/mo
Deposit HK$15.68M · loan HK$36.59M · min. income ≈ HK$354,688/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$2,221,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,651
−HK$10,030/mo
▼ 0.25% · 3.875%
HK$190,630
−HK$5,051/mo
Today · 4.125%
HK$195,681
baseline
▲ 0.50% · 4.625%
HK$205,996
+HK$10,315/mo
Deposit HK$15.68M · loan HK$36.59M · min. income ≈ HK$391,362/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$2,221,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,558
−HK$13,455/mo
▼ 0.25% · 3.875%
HK$221,232
−HK$6,781/mo
Today · 4.125%
HK$228,013
baseline
▲ 0.50% · 4.625%
HK$241,887
+HK$13,874/mo
Deposit HK$5.23M · loan HK$47.05M · min. income ≈ HK$456,026/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,221,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,694
−HK$12,896/mo
▼ 0.25% · 3.875%
HK$245,096
−HK$6,494/mo
Today · 4.125%
HK$251,590
baseline
▲ 0.50% · 4.625%
HK$264,852
+HK$13,262/mo
Deposit HK$5.23M · loan HK$47.05M · min. income ≈ HK$503,180/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,221,664 · Scale 2, in force from 26 Feb 2026)