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$119,413
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$123,127
−HK$3,774/mo
Today · 4.125%
HK$126,901
baseline
▲ 0.50% · 4.625%
HK$134,623
+HK$7,722/mo
Deposit HK$26.18M · loan HK$26.18M · min. income ≈ HK$253,802/mo (50% DSR)
Upfront cash ≈ HK$28.41M (deposit + AVD stamp duty HK$2,225,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,846
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,409
−HK$3,614/mo
Today · 4.125%
HK$140,023
baseline
▲ 0.50% · 4.625%
HK$147,404
+HK$7,381/mo
Deposit HK$26.18M · loan HK$26.18M · min. income ≈ HK$280,046/mo (50% DSR)
Upfront cash ≈ HK$28.41M (deposit + AVD stamp duty HK$2,225,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,296
−HK$8,985/mo
▼ 0.25% · 3.875%
HK$147,753
−HK$4,528/mo
Today · 4.125%
HK$152,281
baseline
▲ 0.50% · 4.625%
HK$161,547
+HK$9,266/mo
Deposit HK$20.95M · loan HK$31.42M · min. income ≈ HK$304,562/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,225,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,415
−HK$8,613/mo
▼ 0.25% · 3.875%
HK$163,690
−HK$4,338/mo
Today · 4.125%
HK$168,028
baseline
▲ 0.50% · 4.625%
HK$176,885
+HK$8,857/mo
Deposit HK$20.95M · loan HK$31.42M · min. income ≈ HK$336,056/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,225,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,178
−HK$10,484/mo
▼ 0.25% · 3.875%
HK$172,378
−HK$5,284/mo
Today · 4.125%
HK$177,662
baseline
▲ 0.50% · 4.625%
HK$188,472
+HK$10,810/mo
Deposit HK$15.71M · loan HK$36.66M · min. income ≈ HK$355,324/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$2,225,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,984
−HK$10,048/mo
▼ 0.25% · 3.875%
HK$190,972
−HK$5,060/mo
Today · 4.125%
HK$196,032
baseline
▲ 0.50% · 4.625%
HK$206,365
+HK$10,333/mo
Deposit HK$15.71M · loan HK$36.66M · min. income ≈ HK$392,064/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$2,225,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,943
−HK$13,479/mo
▼ 0.25% · 3.875%
HK$221,629
−HK$6,793/mo
Today · 4.125%
HK$228,422
baseline
▲ 0.50% · 4.625%
HK$242,321
+HK$13,899/mo
Deposit HK$5.24M · loan HK$47.13M · min. income ≈ HK$456,844/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,225,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,122
−HK$12,919/mo
▼ 0.25% · 3.875%
HK$245,535
−HK$6,506/mo
Today · 4.125%
HK$252,041
baseline
▲ 0.50% · 4.625%
HK$265,327
+HK$13,286/mo
Deposit HK$5.24M · loan HK$47.13M · min. income ≈ HK$504,082/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,225,650 · Scale 2, in force from 26 Feb 2026)