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$118,842
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$122,538
−HK$3,756/mo
Today · 4.125%
HK$126,294
baseline
▲ 0.50% · 4.625%
HK$133,979
+HK$7,685/mo
Deposit HK$26.06M · loan HK$26.06M · min. income ≈ HK$252,588/mo (50% DSR)
Upfront cash ≈ HK$28.27M (deposit + AVD stamp duty HK$2,215,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,210
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$135,756
−HK$3,597/mo
Today · 4.125%
HK$139,353
baseline
▲ 0.50% · 4.625%
HK$146,699
+HK$7,346/mo
Deposit HK$26.06M · loan HK$26.06M · min. income ≈ HK$278,706/mo (50% DSR)
Upfront cash ≈ HK$28.27M (deposit + AVD stamp duty HK$2,215,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,610
−HK$8,943/mo
▼ 0.25% · 3.875%
HK$147,046
−HK$4,507/mo
Today · 4.125%
HK$151,553
baseline
▲ 0.50% · 4.625%
HK$160,775
+HK$9,222/mo
Deposit HK$20.85M · loan HK$31.27M · min. income ≈ HK$303,106/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,215,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,652
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$162,907
−HK$4,317/mo
Today · 4.125%
HK$167,224
baseline
▲ 0.50% · 4.625%
HK$176,038
+HK$8,814/mo
Deposit HK$20.85M · loan HK$31.27M · min. income ≈ HK$334,448/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,215,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,378
−HK$10,434/mo
▼ 0.25% · 3.875%
HK$171,554
−HK$5,258/mo
Today · 4.125%
HK$176,812
baseline
▲ 0.50% · 4.625%
HK$187,570
+HK$10,758/mo
Deposit HK$15.64M · loan HK$36.48M · min. income ≈ HK$353,624/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$2,215,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,094
−HK$10,000/mo
▼ 0.25% · 3.875%
HK$190,058
−HK$5,036/mo
Today · 4.125%
HK$195,094
baseline
▲ 0.50% · 4.625%
HK$205,378
+HK$10,284/mo
Deposit HK$15.64M · loan HK$36.48M · min. income ≈ HK$390,188/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$2,215,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,915
−HK$13,414/mo
▼ 0.25% · 3.875%
HK$220,569
−HK$6,760/mo
Today · 4.125%
HK$227,329
baseline
▲ 0.50% · 4.625%
HK$241,162
+HK$13,833/mo
Deposit HK$5.21M · loan HK$46.91M · min. income ≈ HK$454,658/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$2,215,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,978
−HK$12,858/mo
▼ 0.25% · 3.875%
HK$244,361
−HK$6,475/mo
Today · 4.125%
HK$250,836
baseline
▲ 0.50% · 4.625%
HK$264,057
+HK$13,221/mo
Deposit HK$5.21M · loan HK$46.91M · min. income ≈ HK$501,672/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$2,215,002 · Scale 2, in force from 26 Feb 2026)