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$120,633
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$124,386
−HK$3,812/mo
Today · 4.125%
HK$128,198
baseline
▲ 0.50% · 4.625%
HK$135,998
+HK$7,800/mo
Deposit HK$26.45M · loan HK$26.45M · min. income ≈ HK$256,396/mo (50% DSR)
Upfront cash ≈ HK$28.70M (deposit + AVD stamp duty HK$2,248,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,203
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$137,802
−HK$3,652/mo
Today · 4.125%
HK$141,454
baseline
▲ 0.50% · 4.625%
HK$148,910
+HK$7,456/mo
Deposit HK$26.45M · loan HK$26.45M · min. income ≈ HK$282,908/mo (50% DSR)
Upfront cash ≈ HK$28.70M (deposit + AVD stamp duty HK$2,248,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,760
−HK$9,077/mo
▼ 0.25% · 3.875%
HK$149,263
−HK$4,574/mo
Today · 4.125%
HK$153,837
baseline
▲ 0.50% · 4.625%
HK$163,198
+HK$9,361/mo
Deposit HK$21.16M · loan HK$31.74M · min. income ≈ HK$307,674/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$2,248,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,044
−HK$8,700/mo
▼ 0.25% · 3.875%
HK$165,363
−HK$4,381/mo
Today · 4.125%
HK$169,744
baseline
▲ 0.50% · 4.625%
HK$178,692
+HK$8,948/mo
Deposit HK$21.16M · loan HK$31.74M · min. income ≈ HK$339,488/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$2,248,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,886
−HK$10,591/mo
▼ 0.25% · 3.875%
HK$174,140
−HK$5,337/mo
Today · 4.125%
HK$179,477
baseline
▲ 0.50% · 4.625%
HK$190,398
+HK$10,921/mo
Deposit HK$15.87M · loan HK$37.03M · min. income ≈ HK$358,954/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$2,248,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,884
−HK$10,151/mo
▼ 0.25% · 3.875%
HK$192,923
−HK$5,112/mo
Today · 4.125%
HK$198,035
baseline
▲ 0.50% · 4.625%
HK$208,474
+HK$10,439/mo
Deposit HK$15.87M · loan HK$37.03M · min. income ≈ HK$396,070/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$2,248,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,140
−HK$13,616/mo
▼ 0.25% · 3.875%
HK$223,894
−HK$6,862/mo
Today · 4.125%
HK$230,756
baseline
▲ 0.50% · 4.625%
HK$244,797
+HK$14,041/mo
Deposit HK$5.29M · loan HK$47.61M · min. income ≈ HK$461,512/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,248,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,566
−HK$13,051/mo
▼ 0.25% · 3.875%
HK$248,044
−HK$6,573/mo
Today · 4.125%
HK$254,617
baseline
▲ 0.50% · 4.625%
HK$268,038
+HK$13,421/mo
Deposit HK$5.29M · loan HK$47.61M · min. income ≈ HK$509,234/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,248,391 · Scale 2, in force from 26 Feb 2026)