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$119,459
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,175
−HK$3,775/mo
Today · 4.125%
HK$126,950
baseline
▲ 0.50% · 4.625%
HK$134,675
+HK$7,725/mo
Deposit HK$26.19M · loan HK$26.19M · min. income ≈ HK$253,900/mo (50% DSR)
Upfront cash ≈ HK$28.42M (deposit + AVD stamp duty HK$2,226,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,897
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$136,461
−HK$3,616/mo
Today · 4.125%
HK$140,077
baseline
▲ 0.50% · 4.625%
HK$147,461
+HK$7,384/mo
Deposit HK$26.19M · loan HK$26.19M · min. income ≈ HK$280,154/mo (50% DSR)
Upfront cash ≈ HK$28.42M (deposit + AVD stamp duty HK$2,226,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,351
−HK$8,990/mo
▼ 0.25% · 3.875%
HK$147,810
−HK$4,531/mo
Today · 4.125%
HK$152,341
baseline
▲ 0.50% · 4.625%
HK$161,610
+HK$9,269/mo
Deposit HK$20.96M · loan HK$31.43M · min. income ≈ HK$304,682/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$2,226,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,477
−HK$8,616/mo
▼ 0.25% · 3.875%
HK$163,754
−HK$4,339/mo
Today · 4.125%
HK$168,093
baseline
▲ 0.50% · 4.625%
HK$176,953
+HK$8,860/mo
Deposit HK$20.96M · loan HK$31.43M · min. income ≈ HK$336,186/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$2,226,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,243
−HK$10,488/mo
▼ 0.25% · 3.875%
HK$172,445
−HK$5,286/mo
Today · 4.125%
HK$177,731
baseline
▲ 0.50% · 4.625%
HK$188,545
+HK$10,814/mo
Deposit HK$15.72M · loan HK$36.67M · min. income ≈ HK$355,462/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$2,226,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,056
−HK$10,052/mo
▼ 0.25% · 3.875%
HK$191,046
−HK$5,062/mo
Today · 4.125%
HK$196,108
baseline
▲ 0.50% · 4.625%
HK$206,445
+HK$10,337/mo
Deposit HK$15.72M · loan HK$36.67M · min. income ≈ HK$392,216/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$2,226,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,027
−HK$13,484/mo
▼ 0.25% · 3.875%
HK$221,715
−HK$6,796/mo
Today · 4.125%
HK$228,511
baseline
▲ 0.50% · 4.625%
HK$242,415
+HK$13,904/mo
Deposit HK$5.24M · loan HK$47.15M · min. income ≈ HK$457,022/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,226,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,215
−HK$12,924/mo
▼ 0.25% · 3.875%
HK$245,631
−HK$6,508/mo
Today · 4.125%
HK$252,139
baseline
▲ 0.50% · 4.625%
HK$265,430
+HK$13,291/mo
Deposit HK$5.24M · loan HK$47.15M · min. income ≈ HK$504,278/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,226,513 · Scale 2, in force from 26 Feb 2026)